If you own a home, you're required to have a homeowner's insurance policy. But many people don’t know if they file more than one claim, their chances of being renewed are slim.

Barry Harrold filed his first claim with his insurance company four years ago when floodwater ruined his basement. He filed with them again last year when his kitchen was destroyed fire. Last month, he received a letter from his insurance company stating that his policy with them would not be renewed.

Harrold thought it would be easy to get insurance from a new company, but he called almost fifty different companies before he finally found one that agreed to insure him.

He knows now that it doesn't take much to get a homeowners insurance policy cancelled. That’s because a person with two claims can be denied renewal because there isn’t a Kansas law in place to prevent a company from doing that.

The Kansas Insurance Commission says insurance companies share information and homeowners with past claims will have trouble getting reinsured. Experts tell customers to raise their deductible so they won’t be tempted to make small claims. Also, to pay premiums on time because late payments only give insurance companies good reason to cancel a policy.

The Kansas Insurance Commission says if you are declined insurance by three different companies, you can apply for the Fair Plan through any agent who sells property insurance. The Fair Plan is more expensive with less benefits, but definitely an option.