Does Home Insurance Cover Spoiled Food? 
If the food spoilage is a result of a covered peril then yes the food would be covered in most cases . For example , a major windstorm causes a power outage for an extended period of time . As long as reasonable efforts were made to conserve the food it would most likely be covered subject to your deductible . Since most people carry a $ 500 or $ 1000 deductible it may not be to your advantage to turn in a claim if that is all that is lost . Most people do not have that much spoilable food in their refrigerator and freezer . 