Will Renters Insurance Cover Spoiled Food?

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   David G. Pipes, CLU®, RICP®

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

   When food spoils because of a covered loss, then it will be considered in the claim.  If food in your freezer spoils because of a fire in your residence, that loss could become part of the claim.  If the food spoilage is the result of power interruption outside your home, that loss would be excluded.  If the food spoils because of negligence, that loss would also be excluded.

   Answered on May 1, 2014

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