Does Home Insurance Cover Food Spoilage?

  1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    In many cases, food spoilage that is a result of a long term power outage is covered by your Homeowners' insurance.  It is possible that the coverage may be limited to about $500.00.  The loss is subject to your deductible.  When there is a storm approaching, in order to help to get your possible claim handled as quickly as possible, conducting an inventory of your refrigerator and freezer, as well as paking pictures can certainly be a benefit.
    Answered on June 25, 2013
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Talk to your Insurance Professional about the specific terms and conditions of your policy, but many Home Insurance Companies include some limited food spoilage coverage in their contracts.  The loss must be as a result of a long term power outage caused by a covered peril (severe storm for example).  The coverage is usually limited to a specific dollar amount and is, of course, subject to your property deductible.
    Answered on July 15, 2014
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