Which benefit is NOT covered when a cat damages an electrical cord, leading to food spoilage?

When dealing with insurance claims, particularly in the context of pets causing damage, it is crucial to understand the specific coverage provided by typical homeowner or renters insurance policies. Generally, these policies cover damages that arise from certain incidents, but they may have limitations and exclusions.

The benefit that is not covered when a cat damages an electrical cord leading to food spoilage is the cost of replacing the food. Insurance policies typically do not cover losses due to spoilage of food, even if caused by a covered peril, because this type of loss is considered to be part of routine maintenance or expenses that homeowners should anticipate. Consequently, while damages to property like the freezer might be covered under certain conditions, food spoilage due to loss of power, regardless of the cause, usually falls outside the scope of what the insurance is intended to cover.

Understanding these nuances helps clarify why the cost of replacing spoiled food is an out-of-pocket expense for the homeowner, not an insurance claim.