Which factor does not affect premium discount eligibility regarding the coinsurance clause?

The eligibility for premium discounts in regards to the coinsurance clause is primarily influenced by various characteristics of the policy and the property itself. Specifically, the value of the insured property plays a significant role, as higher property values typically require higher premiums and can affect the calculation of coinsurance. Additionally, the types of coverage selected are crucial because certain coverage options may include specific terms related to coinsurance that can influence the premium. Furthermore, the proportion of insured value held is directly tied to the coinsurance requirement, as it dictates whether the property is adequately insured to the full value, impacting premium rates.

In contrast, the history of all claims previously filed by the insured does not directly influence premium discount eligibility in the context of the coinsurance clause. While a history of claims can affect overall premium rates or the insurer's assessment of risk, it does not alter the specific mechanics of how the coinsurance clause operates or the resulting premium discount eligibility linked to the insured value, property characteristics, and coverage choices. Thus, this factor is irrelevant to determining discount eligibility regarding coinsurance requirements.