Does Renters Insurance Cover Spoiled Food?

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   There can be several reasons that food would spoil.  If it is owner neglect, then it won’t be a covered loss.  If it is the result of power interruption and the interruption is outside the building then it will not be covered.  If it is the result of a power interruption because of some “covered event” such as fire, inside the premises then it will probably be covered.

   Answered on March 26, 2014

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