Do deductibles apply to food spoilage claims under renters insurance?  Do these types of small claims ($100-$200) affect coverage/renewable/premiums down the line?  Several days of power outtages in the area due to Irma 


Thleen11, I do hope that you and your family are safe from the hurricane and I appreciate your questions regarding food spoilage claims. Every policy is different in regards to what it covers or how it is covered. You will want to contact a claims adjuster and discuss your coverage options. Unfortunately I would not be able to tell you what would or would not affect your premiums, as this also is based off of many other factors. When you have an opportunity, please contact our claims department at 800-531-8722 and discuss your options. Thank you. ~James