Question
RENTER’S INSURANCE: I’m looking to upload a photo of my policy to check if food loss is covered (my freezer stopped working). I’m wondering if this would be considered personal property. Additionally, I have two other options that might relate: loss of use and personal liability. What do you think?
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It’s great that you’re looking into your renters insurance policy to understand your coverage options! Generally, food loss due to a freezer malfunction might be covered under “personal property,” but this can vary depending on your specific policy and the insurer. Some policies have exclusions or specific limitations regarding spoiled food, so it’s important to check the details.
Regarding the other two options:
– Loss of Use: This typically covers additional living expenses if your home becomes uninhabitable due to a covered loss (like fire or water damage), so it likely wouldn’t apply to food loss.
– Personal Liability: This covers you if someone gets injured in your rented space or if you accidentally damage someone else’s property. It wouldn’t cover food loss either.
To get a precise answer, I recommend reviewing your policy documents or calling your insurance provider directly. They can clarify what’s included and whether you might be eligible for coverage for your lost food. If you can share a screenshot or excerpt of your policy (excluding any personal information), that might help others give you more specific advice!