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Question 15 of 22 in Types Of Coverages Available

The food in my freezer and refrigerator spoiled because the electric power into my home was cut. Does a home policy cover this mishap?


The answer depends on why the power to your home was cut. If it was as the result of a coverage occurrence (such as windstorm), coverage under the insurance policy applies. If the power was cut as the result of power grid failure, you’re out of luck--coverage does not apply.
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