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Does My Homeowners Insurance Cover Spoiled Food?

By Brandon Tritten

34 Days of Homeowners Insurance
Day 032 | Does My Homeowners Insurance Cover Spoiled Food?

You just went grocery shopping and purchased a side beef. Your refrigerator and deep freeze are packed full. You have enough Hungry Man meals to last you a month.

That night a storm rolls through town. The wind knocks out your power for the entire night. All of your food goes bad.

Depending on your homeowners insurance policy, some policies will provide coverage food spoilage. Check your policy to be sure. Some companies will let you add this coverage to your policy if it doesn’t come automatic.

Coverage will usually have a set limit. It may be $250 – $500. And depending on the insurance company you may or may not have a separate deductible.

Now for coverage to apply, it has to be a covered cause of loss. It’s can’t be that you forgot to pay your electric bill or because you’re a novice at running a backhoe.

Lastly, take pictures of the food before you throw it out. You may need it as evidence for the insurance company.

34 Days of Homeowners Insurance

Filed Under: Homeowners Insurance Tagged With: 34 Days of Homeowners Insurance, Food Spoilage, Homeowners Insurance, Refrigerated Products

About Brandon Tritten

When not working, you can catch Brandon running, biking, or watching Cardinals baseball with his wife.

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JBLB Insurance Group

233 Main St
Platte City, MO 64079

  816.858.3000
  Text: 816.312.4420 This phone number will not accept pictures via text message. You may email pictures to tawnya@jblbinsurance.com.
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