Endorsements & Optional CoveragesPregunta 447 de 474
Refrigerated property coverage is worth adding because a standard unendorsed form:
a.Pays for spoiled food only after a total loss
b.Caps all food spoilage at the theft sublimit
c.Covers food only while the freezer is running
d.Excludes an off-premises power failure loss
Explicación
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.
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