Food Loss Due To Power Outage. Your renters insurance may reimburse you for the cost of spoiled food if your refrigerator or freezer breaks due to a power outage. Homeowners insurance will cover spoiled food due to a power outage if it’s the result of a covered peril.

Certain states have regulations in place that require power companies to reimburse customers for food loss during an outage caused by the company’s negligence. Your renters insurance policy will cover food that is damaged or lost in your fridge, freezer, or kitchen due to certain specific causes—like fire, water from burst pipes, or certain.