Unfortunately, your rates will most likely increase if your insurance company has to pay out on a claim for you. In general, insurance companies will increase your rates if they have to pay out on your claims. This is even if the claim it is not your fault. Not all insurance companies will charge for this claim. If you are going to check around for prices on insurance, disclose this claim. They will, or won't, charge you for this claim depending on their underwriting rules.