Refrigerated property coverage is worth adding because a standard unendorsed form:
Explanation
The standard form excludes loss caused by a power failure that happens away from the residence premises, which is exactly how most freezers full of food are lost. Refrigerated property coverage fills that gap for spoilage caused by an interruption of power or by mechanical failure of the unit, usually for a modest limit and a small deductible. Spoilage is not a theft loss, so no theft sublimit is involved.
This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 474 questions free — no signup required.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Related questions on this topic
- An owner of an older home buys increased ordinance or law coverage because the built-in additional coverage:
- The inflation guard endorsement protects an insured by:
- Equipment breakdown coverage added to a homeowners policy is what responds when:
- The self-insured retention under a personal umbrella policy applies to a claim that is:
- A condominium unit owner increases loss assessment coverage in order to pay:
- A homeowner applies for flood insurance under the National Flood Insurance Program. Coverage generally begins:
Last reviewed: · editorial process