While I agree with your comment overall, this "It's just like how your renter's insurance rates will skyrocket immediately if you try to file any claim at all"

While I agree with your comment overall, this "It's just like how your renter's insurance rates will skyrocket immediately if you try to file any claim at all" is not true in all cases. I filed what turned out to be a $10K claim for theft against renter's insurance, on a policy that I had only had for about 3 years. The claim was paid in full, with no pushback, even though I did not have receipts for all of the items stolen, and there was absolutely zero increase in premium. The policy has been renewed twice since then, again, without premium increase.