Does Homeowners Insurance Cover Loss Of Food? 
It may , yes , but talk to your Insurance Professional about the specific terms and conditions of your policy . Many Homeowners ' policies offer some limited coverage for lost food items in a freezer or refrigerator that is caused by a long term power outage . The outage , of course , must be caused by a covered peril like a storm for example . The loss would also be subject to your property deductible in many cases . 