Does renters insurance cover lost food?

My apartment lost power for several days and I lost most of my frozen and refrigerated food. Does my renters insurance cover the cost of this food?

Answer
“Yes, it actually does cover food as your personal property. If your apartment loses power and the food gets spoiled in the refrigerator, your renters insurance should cover food replacement subject to your deductible.
Be aware that the policy will only cover the food if the power outage was an unforeseen incident, not if you failed to pay your bill and the power was shut off for that reason. “
avatar
Jackie Whalen
Answered on Apr 13, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies