Most owner occupied policies contain coverage for refrigerated food spoilage. This is valuable following a prolonged power outage when you are unable to safely salvage your food. The limit for this coverage is typically $500. Barton Mutual policies do not apply a deductible for this coverage.
The USDA has tips for keeping food safe during an emergency situation, and they provide guidelines for when certain food may be considered “spoiled.” Read more about that on their website.
This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.