If you stay with an insurer some will allow the occasional claim without affecting premium, however if you are changing insurer it is bound to make a difference. Just by being someone who has queried a claim, you are a higher risk as you will probably consider claiming the next time you have a small loss.
I consider my insurance as cover against being cleaned out in a big burglary or the house burning down, not for a new carpet when some red wine goes over or a replacement telly when it gets knocked over…guy at work claims about once every three years when he fancies a new carpet and I bet he’s paying more in premiums that the carpet cost…but he thinks he’s getting one over on them…