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There is nothing worse than sorting through the aftermath of a devastating severe weather event and learning that your power could be knocked out for days. Not only are power outages inconvenient, but they can also cause indirect losses related to non-functioning appliances like refrigerators.
Learn if your home insurance covers food spoilage from the experts at the Commerce Insurance Agency in Commerce, GA.
Does Your Georgia Home Insurance Policy Cover Food Spoilage?
The increasing threats of violent thunderstorms, tornados, and severe weather have local homeowners rethinking their home insurance policies. Whether your home insurance policy will cover claims for food spoilage depends on several factors, including what caused the spoilage.
For example, negligence on behalf of the homeowner that leads to food spoilage is not a covered incident. However, food spoilage caused by blackouts, natural disasters, and severe weather events may be covered up to the designated dollar amount written on your home insurance policy.
Learn More About Uncommon Coverages for Home Insurance Policies
Food spoilage is just the tip of the iceberg when it comes to saving homeowners from having to shoulder the out-of-pocket expenses associated with power outages, blackouts, and natural disasters.
Most new homeowners carrying a mortgage are required to have comprehensive home insurance as a condition of their financing. Homeowners who own their dwelling outright may not understand the value of having complete home insurance until something like a natural disaster, theft, or burglary happens.
Please don’t wait until the inevitable happens and it is too late to apply for full coverage home insurance.
Reach out to the trusted and friendly professionals at Commerce Insurance Agency in Commerce, GA, to learn more about home insurance benefits and get a policy quote today!
