You purchase home insurance to protect yourself if something major goes wrong such as a pipe that bursts, there is a fire, or some other peril. In fact, most mortgage companies require you to have homeowner's insurance if you have a mortgage on your house to protect their stake in your home as well. However, insurance companies are not in business to pay out too many claims. They would quickly find themselves out of business if they did that, and they take a negative view on customers filing too many claims in a short period of time as well. … [Read more...] about Filing Too Many Small Claims Can Hurt You