No, homeowners insurance does not cover food losses due to the failure or outage of a public utility conveyance.
All home insurance policies specifically exclude conveyance related damages
your insurance policy should state that it will.
Increased sodium in canned food, loss of vitamins, and loss of anti-oxidants. Fresh is best, then frozen, then canned in degree of loss of quality.
assets of loss
You will need to read your policy to determine what your homeowners covers. Homeowners policies have a deductible and also demand proof of loss. During a hurricane, I lost electrical power. After the hurricane the insurance company offered to reimburse me for any food in my freezer except I had a deductible of $500. As I had food worth about $50, I did not use my homeowners. Read your homeowners. How much money did you have in your wallet. Where was your wallet when it was stolen? Was it in your house? Was there a robbery? What is your deductible?
No
If you scheduled your personal property on your Homeowners Insurance Policy then it will cover. If you failed to schedule your personal property then it will not be covered.
No, Homeowners insurance does not cover spoilage due to utility failures.
It depends on your specific policy.
Accidental, Yes. Intentional, No
If you don't carry homeowners insurance and you have your home financed, you are breaking the contract and your bank will take out a forced place policy to cover their interest in the home and you will have to pay the premium which is far more than a homeowners policy. If it's not financed, you take the entire risk of loss upon yourself.
Depends on the cause of loss.
90 days
A Met Life homeowners policy is a standard homeowners policy and would be the same as most other policies. Damage due to improper workmanship or settling of the home would not be covered on any homeowners policy. Loss must be due to a covered cause in order for the loss to be covered on the policy. Neither of these items are a covered cause.