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Claims records are kept on both the property and the policy owner. It can be on both. It just depends on the nature of the claim as to whether it would be counted against you.
Weather related claims are typically not assessed at all as these are beyond our control.
Claims that result from poor maintenance or neglect and certain liability claims can carry over and be assessed even when a new home is purchased.
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Earn +20 ptsQ: Does claims on homeowners insurance on house or owner?
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