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Does insurance cover spoiled food?

Short answer

Some homeowners and renters policies cover food spoilage up to a limit. Check your policy.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

Ready.gov: power outagesready.gov
FoodSafety.gov: food after a power outagefoodsafety.gov
CDC: carbon monoxide poisoningcdc.gov