Can I file the same claim on two separate homeowner’s insurance policies at the same time?

No, you cannot file the same claim on two separate homeowner's insurance policies at the same time. When you purchase a homeowner's insurance policy, you are entering into a contract with the insurance company that outlines the terms of your coverage. Typically, insurance policies contain a clause that prohibits you from collecting on the same claim from multiple insurance policies. Filing a claim on two different policies for the same loss would be considered insurance fraud, which is illegal and can result in serious consequences. If you do have multiple homeowner's insurance policies, you will need to choose which policy to file the claim under. It's important to note that filing a claim on your homeowner's insurance policy can have an impact on your premiums and your ability to obtain coverage in the future. If you are unsure whether or not to file a claim, you may want to consult with your insurance agent or a professional claims adjuster to help you weigh the potential benefits and drawbacks.