Does renters insurance cover food loss from a broken refrigerator?

I have a huge family gathering up, so I was preparing a bunch of hors-d’oeuvres and entrees—and then my power went out for two days. All the food I made is spoiled and I’m out several hundred dollars from all the ingredients I bought. Does my renters insurance cover food loss from a broken refrigerator?

Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
What a frustrating situation! In this instance, your renters insurance would cover the food loss due to a power outage. This is considered food spoilage coverage.
A power outage or sudden technical malfunction is a
named peril
in your home or renters policy. Anything not in the list of named perils, though, wouldn’t be covered.
So if your refrigerator broke because of age, normal wear and tear, or failure to upkeep its maintenance, your renters insurance would not cover the ensuing food loss.
You should contact your insurance company as soon as you can. If you haven’t already, don’t throw your food out yet, either—the insurer will most likely ask for a list of all the spoiled items, including pictures and estimated values.
Knowing that your renters insurance has your back in this situation, it’s a good time to make sure your
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