< Back to Blog

Home insurance coverage for spoiled food

The value of your food can add up quickly, especially if you have a deep freezer filled with meat, seafood, and other big-ticket items. So, what happens if there’s a power outage or your fridge or freezer malfunctions? Thankfully, your home insurance policy has you covered.

What is food spoilage coverage?

Food spoilage coverage is designed to protect you if the contents of your fridge or freezer are spoiled because of a power outage or technical malfunction. This coverage is included in most standard home, tenant, and condo insurance policies.

Common exclusions of food spoilage coverage

Food spoilage coverage only covers spoilage as a result of a power outage or a malfunction in your fridge or freezer. If you’ve accidentally unplugged your freezer or left the door open, you won’t be covered.

How do you make a food spoilage insurance claim?

The first thing you should do when you need to make a food spoilage claim is contact your broker or your insurance company’s 24-hour claims service line to get the process started. Generally speaking, you’ll be expected to provide a list of all of the spoiled items, as well as photos – so don’t throw it out before you get all the information you need.

Does your deductible apply when you make a food spoilage claim?

Yes, your home insurance deductible MIGHT apply if you make a claim for food spoilage. Some insurance companies waive the deductible for food spoilage claims, so make sure to ask your broker or CSR if a deductible applies to your policy BEFORE you need to make a claim.

IN this case, let’s say you do have a deductible. If your deductible is $1,000 and you lose $200 worth of food in a power outage, you won’t be able to claim the loss. But if you have $2,000 worth of food in your deep freezer and all of it is spoiled, you could get $1,000 back from your insurance company (after paying your $1,000 deductible). In there’s no deductible, you would get the full $2,000 from your insurance company.

If you have questions about the food spoilage coverage included in your own home insurance policy, review your policy documents or contact your broker.


Source: Stephanie Fereiro for Economical


Protect yourself, protect your family, protect your devices.

Learn More

DPM Driver’s Ed Scholarship

DPM Driver’s Ed Scholarship. Your security, our responsibility.

Learn More

Blenheim Office

24 Marlborough St. N., Box 479
Blenheim, ON N0P1A0

Phone: 519-676-8159
Fax: 519-676-0020

Chatham Office

250 St. Clair St.
Chatham, ON N7L 3J9

Phone: 519-352-4343
Toll Free: 1-800-561-4949
Fax: 519-352-6484

Essex Office

29 Talbot St. N, Box 69
Essex, ON N8M 2Y1

Phone: 519-776-6457
Fax: 519-776-7400

Harrow Office

65 King St. W., Box 790
Harrow, ON N0R 1G0

Phone: 519-738-2277
Fax: 519-738-2279

Tilbury Office

59 Mill St. E, Box 1239
Tilbury, ON N0P 2L0

Phone: 519-682-0202
Fax: 519-682-2391

Wallaceburg Office

403 Wellington St.
Wallaceburg, ON N8A 2Y2

Phone: 519-627-1777

DPM Insurance is a BrokerLink company. The BrokerLink companies are subsidiaries of Intact Financial Corporation (TSX: IFC)