Does Homeowners Insurance Cover Loss Of Food?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   It may, yes, but talk to your Insurance Professional about the specific terms and conditions of your policy.  Many Homeowners' policies offer some limited coverage for lost food items in a freezer or refrigerator that is caused by a long term power outage.  The outage, of course, must be caused by a covered peril like a storm for example.  The loss would also be subject to your property deductible in many cases.

   Answered on June 20, 2014

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