Spoiled groceries If you have a power failure that causes the food in your refrigerator to spoil, you're covered. A USAA Renters Insurance policy will pay up to $500 for food spoilage due to a power outage. There's no deductible applied, which means no out-of-pocket cost for you.
Who pays for spoiled food when power goes out?
Home insurance companies typically pay up to $500 worth of food lost in a power outage, but only if the cause of the power outage is covered by your policy—for example, if a lightning strike caused a power outage.Mar 26, 2021
Can you claim spoiled food on insurance?
Insurance Deductibles for Spoiled-Food Claims Even if spoiled food is covered by your policy, a deductible typically applies to a claim. For example, if you lost $500 worth of food but you have a $500 deductible, you essentially would eat the cost of the spoiled food.Mar 26, 2021
How much does insurance pay for spoiled food?
The most common coverage limit for food spoilage on homeowners insurance policies ranges from $500 to $2,500, but this limit can vary by insurance company. It is best to verify your food spoilage coverage with your insurance agent or insurance company.
How do I claim spoiled food from USAA?
In some policies, there's no deductible at all. However, food spoilage coverage is typically capped. You can submit a claim for food spoilage on usaa.com or the USAA Mobile App.
Does USAA cover food loss from power outage?
Spoiled groceries A USAA Renters Insurance policy will pay up to $500 for food spoilage due to a power outage. There's no deductible applied, which means no out-of-pocket cost for you.
Will insurance cover spoiled food from power outage?
Homeowners Insurance for Spoiled Food Home insurance companies typically pay up to $500 worth of food lost in a power outage, but only if the cause of the power outage is covered by your policy—for example, if a lightning strike caused a power outage.Mar 26, 2021