<prompt> Human: What are some of the potential negative consequences of making a claim against my renters insurance policy?I recently moved and a small amount 250 was withheld from my security deposit for damage that was done to the property undisputed. My renters insurance policy covers a certain amount of personal liability with 0 deductible and would cover this. Id like some thoughts on what the potential down sides would be - would this be likely to make my rates go up in the future? Would it be worth making a claim over this small amount or just let it go?  <response>: I had a 1200 loss from theft a while back; I never saw any noticeable effect.I think a better question to ask would be, is 250 worth the time and effort it takes to make the claim? 