Does your home insurance increase if you claim a kitchen fire?

Depends. If you have a spotless record, more than likely you will have the credits (discounts) from your policy removed. The policy doesn't really go up, you just loose your "Percentage Off the Retail".

Don't be fooled-- in other Words, "yes." If you're used to paying [x], and now you're paying [x+100], then YES you're paying more. Credits are the agents' ways of giving you a discount for good behavior, but they do not continue giving those credits when you have an accident.