Why Long-Term Homeowners Who Never Filed a Claim Still Struggle with Home Insurance Rates and Renewals

https://www.bookmarking-presto.win/when-smoke-destroys-your-stuff-before-the-walls-give-way-what-homeowners-miss

You've owned your home for 5 to 15 years. Nothing major happened. You never filed a claim. So you assume your policy is fine. Yet every renewal cycle brings sticker shock, coverage headaches, or even non-renewal notices