<prompt> Human: Simple question probably but I dont know what to do in this situation. They just had a few things stolen and after talking to the neighbors, they have also had stuff stolen and they all ended up being some sort of metal. So first we called scrap and salvage yards in our area to see if anything would come up and still waiting on confirmation from that. We have a 500 deductible and I was just wondering if anyone knew how much this would affect the insurance rate if we made the claim. Sorry for probably a stupid question but I just have no experience with this and my parents wont really talk to me about it saying it isnt my responsibility to help but I just want to know how it all works. Thanks pfEDIT: Thanks to everyone who responded so quickly. I pay my own car insurance but Ive never had to make a claim so I wasnt sure how it all worked so thanks for information and advice. I wish my parents could have just explained it to me instead of having to come on to the internet to get advice and info but thanks again everyone.  <response>: So youre weighing possible insurance increase in the amount of thousands paid over time... or a cost of 300 since the deductible is 500 and that comes out of your pocket as well. I would replace anything if needed and beef up security for your garagehome. 