An off-premises transformer fails, a freezer thaws, and the food spoils. On a standard form the food loss is:

Giải thích

The power failure exclusion applies when the failure of power or another utility service takes place away from the residence premises; had the failure happened on the premises and led to a covered peril there, the ensuing loss would be paid. Food is ordinary personal property and is not excluded, so the answer blaming the property type identifies the wrong reason.