How Many Claims Before Home Insurance Cancels? 
This may differ by state , but here in Michigan the Guideline is 3 claims , over $ 1,500 , non weather related , within 3 years . Some companies may be a little different , but that 's a good baseline . Insurance companies do n't really have problems with weather related claims or big claims . The thing that hurts an insurance company 's bottom line is frequency , not severity . 