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Does renters insurance cover power outages?

The city I live in is prone to blackouts, especially during the summer. Will my renters insurance cover power outages?

avatar
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Power outages are fairly common in the U.S., especially due to unprecedented and inclement weather events. Unfortunately, power outages alone are not covered by standard
renters insurance
 policies.
Unless there is physical damage to your personal property, your renters insurance will not cover power outages. What your renters insurance can help cover is food spoilage. Under your personal property coverage, your renters policy may help pay for the loss of food resulting from a power outage.
If the dwelling structure is damaged and you can’t stay in your home, your renters insurance policy can help with that. The loss of use section of your renters policy can help cover your living expenses, like food and a hotel room.
To ensure you’re getting the best deal with your renters insurance, let
Jerry
 find affordable quotes for you. It’s quick and easy—answer a few questions and you’ll get competitive quotes from top insurance companies in less than a minute. Choose the policy that best fits your needs, and Jerry takes it from there. You can get signed up right away, and Jerry can even help you cancel your old policy.
MORE: How to handle a power outage at home
Renters Insurance
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