If you have 3 claims in one year most insurers put you in a high risk group and cancel you. Your only option then is to buy from a broker that sells high risk policies and your your rates will go up by 50 to 100% and it takes 3 years to with low claims to come off the list. It iss all claims not just auto ,so your homeowners too. Read your policy for specifics then ask your agent, do not contact the insurance company directly a call to them about a policy question can be considered a claim. The assumption is your a calling becasue something happened.