Category: Home Insurance

Power outages can lead to various challenges, including the loss of considerable quantities of food that spoils when it’s not refrigerated, especially if you have a large refrigerator or chest freezer. If such a situation arises, will your home insurance cover the loss? The experts at Senz Insurance Agency in Beloit, WI, can help clarify this for you.

What’s Covered?

Generally, homeowners’ policies cover food spoilage when a power outage results from a covered event, such as a fire or a lightning strike. You may or may not have to pay a deductible. Some insurance providers also cover spoilage when a power surge causes your refrigerator or freezer to malfunction.

Producing Documentation

If you decide to file a claim, you will need to provide evidence that you had purchased food and that a power outage occurred. Write down the items lost, photograph the spoiled food, and save your grocery receipts. Consider asking your power company for written confirmation of the outage.

Exceptions

Home insurance won’t cover spoiled food in some instances. For example, if your electric service was disconnected due to non-payment or your refrigerator halted due to mechanical failure. Coverage is likewise typically unavailable when an outage is caused by something within your control, such as cutting down a tree that falls on a power line.

Apart from a home insurance policy, there are other avenues to seek reimbursement if you lose food in a way that isn’t covered by your policy. Under certain circumstances, the loss may be covered by power utility companies, home or extended appliance warranties, or Wisconsin’s state food benefits program, FoodShare.

If you’re interested in ensuring your home insurance policy covers food spoilage or are looking for comprehensive home insurance coverage, the professionals at Senz Insurance Agency in Beloit, WI, are here to help. Contact us today to learn more about our offerings.

The decision to add a new HVAC system to your home indicates a substantial investment. Hence, considering the inclusion of the HVAC components in your prevailing home insurance policy is prudent. Agents from Senz Insurance Agency Inc. in Beloit, WI, are available to assist you.

Understanding the Complexities of HVAC Materials

An HVAC system comprises various materials, such as metal, mechanical components, lights, and other parts that can be easily damaged. Some systems may necessitate the installation of new ductwork and electrical elements. Determining the new HVAC system’s size, design, and location is a crucial step, especially for units with indoor and outdoor components.

For example, an external condenser unit could be more susceptible to damage than HVAC components stored indoors, warranting increased insurance coverage.

Implementing Security Measures

It’s advisable to install security measures, such as updated lighting, fences, alarms, and other devices, to protect your new HVAC materials from theft or damage. The type of HVAC unit will dictate the extent of the security measures required.

Considering Your Warranty

If your new HVAC system includes a warranty, understanding its terms should be on your to-do list. While warranties provide coverage against defects and certain types of damage, adding your HVAC system to your home insurance policy is wise since warranties expire over time. Secure long-term protection for your new HVAC system with suitable insurance coverage.

Contact Senz Insurance Agency Inc.

Contact an agent at Senz Insurance Agency Inc. to arrange appropriate HVAC insurance coverage for your new HVAC system. This protection is instrumental in securing your investments.