I fix and flip mainly in the inner city of Chicago. The positives to this is I get properties for substantially less than in the suburbs, and the pool of buyers is a bit wider. The major drawback is I have to deal with break-ins...a lot. Over the past 2 years, I've had 7 break-ins, each incident costing me an average of $10,000-15,000 in repairs (mainly stolen water heaters/hvac, copper pipes, fixtures, etc.). 

What do you suggest about filing insurance claims? I am afraid too many claims will increase the cost of my policies, and/or even have the insurance provider kick me out of insurance altogether, and perhaps even give me a bad name in the insurance provider circle. What do you all suggest? Is there a "golden rule of thumb" here ?

Unfortunately, break-ins are just a common occurrence in the neighborhoods I deal in.