Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
It may, but of course, check with your Insurance Professional about the specific terms and conditions of your policy. Assuming there is coverage, it must be caused by a covered peril. In CT, the most common cause is extended power outage caused by a storm or ice build up that causes tree limbs to snap and take down power lines. In those cases, most policies do provide some limited coverage for food lost from freezers and refrigerators, usually up to $500.00. This is, of course, subject to your deductible.
Your homeowner's policy would cover your "food" the same way it would cover your couch or TV. The problem is if you have a standard homeowner's policy, only damage caused by specific named perils; Fire, Theft, Wind, etc. would be covered.
Coverage on your personal property, furniture, clothing, dishes and yes food, should be the same as the coverage on your home. "Any direct damage" should be covered. Now all policies will have deductibles and specific limitations or exclusions but it will make it a lot easier to understand what you are or are not covered for.
If your insurer doesn't offer this "Special Coverage" on personal property or charges you a significant premium for it, you may want to consider another insurer.
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Coverage on your personal property, furniture, clothing, dishes and yes food, should be the same as the coverage on your home. "Any direct damage" should be covered. Now all policies will have deductibles and specific limitations or exclusions but it will make it a lot easier to understand what you are or are not covered for.
If your insurer doesn't offer this "Special Coverage" on personal property or charges you a significant premium for it, you may want to consider another insurer.