&quot;In your friend&#x27;s case, the fact that she had two claims adjusted her relative risk profile&quot;<p>For car insurance it makes sense, as the risk is specific to the driver, so the number of claims tells you something about the insured&#x27;s driving.<p>But, for home insurance, isn&#x27;t it mainly about the property rather than the individual?  And isn&#x27;t that mostly about location and property type?<p>Will this continue to affect her premiums if she moves?  Will it also affect the new owner of her home, even though they weren&#x27;t party to the previous claims?