Auto Home Insurance
Check food spoilage coverage, deductibles, and outage exclusions before filing a claim, and keep generator use safe during a power failure.
1
Food spoilage coverage depends on the policy and the cause of the outage.
2
Check exclusions, endorsements, limits, and any applicable deductible.
3
Document discarded food safely without keeping it for an inspection.
4
Operate fuel-burning generators outdoors away from openings into the home.
It may, depending on the renters policy and cause of loss. Check personal property coverage and any refrigerated-food endorsement. The landlord's building insurance generally does not insure your groceries.
Ask whether the coverage applies to that appliance and location. Provide the freezer location, outage details, and contents inventory. Do not assume that every storage location receives identical treatment.
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