Refrigerated property coverage wording and examples

Compare Refrigerated property coverage forms

Refrigerated property coverage forms compared by Intent, Covered cause, Limits and deductible
Form	Intent	Covered cause	Limits and deductible
Palmetto Casualty Insurance Company Refrigerated Property Coverage HOS 04 98 01 23 Homeowners	Covers specified direct loss to covered property in refrigerators or freezers at the residence premises.	Addresses loss of power caused by damage to generating or transmitting equipment, or mechanical failure of the unit.	The specimen sets a $500 limit and $100 deductible; the unit must be properly maintained immediately before loss.
Metromile Insurance Company Refrigerated Property Coverage LPC-RN-FRIDGE (02-26) Tenant Homeowners	Covers specified direct loss to covered property in refrigerators or freezers at the insured address.	Addresses power failure caused by damage to generating or transmitting equipment, or mechanical failure of the unit.	The declarations set the limit, no deductible applies, and the unit must be properly maintained immediately before loss.

“Coverage will apply only if you have maintained the refrigeration unit in proper working condition immediately prior to the loss.”

Palmetto Casualty Insurance Company · Refrigerated Property Coverage · HOS 04 98 01 23

Maintaining the unit. The unit’s condition is an express coverage requirement.

“no deductible applies”

Metromile Insurance Company · Refrigerated Property Coverage · LPC-RN-FRIDGE (02-26)

Deductible. The form says this coverage does not increase the personal property limit.

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