Homeowners insurance can cover spoiled food if spoiled food coverage is included in your policy, but it will only do so under specific circumstances ñ these being when the power outage is caused by a covered risk.
So, for instance, homeowners insurance will cover spoiled food if the power outage is caused by a covered peril such as:
ï A downed tree
ï A named hurricane
ï A storm (i.e. lightning strike, water damage)
Some insurance companies, however, offer coverage for food spoiled by any power outage for an additional premium.
Though, for most homeowners insurance policies, spoiled food will not be covered if the power outage was caused by a risk that is not covered by the policy, which can often include:
ï Blackouts caused by power line issues
ï If the electricity was turned off for servicing, or due to non-payment