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Texas Department of Insurance
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January 12, 2024

Power out, food spoiled? Your insurance might help.


If you lose power and the food in your refrigerator spoils, can your insurance help?


Some homeowners and renters policies will pay up to $500 for spoiled food if the power fails under certain circumstances. Call your agent or company to ask if your policy will pay. Sometimes there is not a deductible.

Take pictures or keep a list of the food that spoiled.

And clean any food spoilage to prevent damage to your refrigerator.

Have other insurance questions? Call the TDI Help Line, 800-252-3439, 8 a.m. to 5 p.m. weekdays.

Learn more