The standard homeowner policy provides an additional coverage for damage to the lawn caused by vehicles not owned or operated by a resident of the premises. The amount of coverage is generally five percent of the dwelling limits. The power was shut off in my neighborhood and all the food in my refrigerator and freezer spoiled. Homeowner Policy - The standard homeowner's policy does not cover food spoilage as a result of power failure off premises. Commercial Property Policy - The standard commercial property policy does not cover food spoilage due to power failure.
Most companies offer coverage through the use of an endorsement.
National Flood Policy - The National Flood Insurance policy does cover loss of refrigerated products but only if caused by flood. Power failure for other reasons would not trigger coverage under this policy. I had to leave my home because of a mandatory flood evacuation. Homeowner Policy - The standard homeowner's policy provides loss of use and additional living expenses for any covered peril. National Flood Policy - The National Flood Insurance policy does not provide coverage for loss of use or additional living expenses.