Let’s consider when it is worth it to file a claim for food loss. Remember that with most renters insurance plans, you are going to have to pay a deductible if you file a claim. Deductibles can range from 500 to 1,000 dollars. This is a pretty hefty amount of money to pay when the items you are wanting insured likely do not outweigh this cost. Unless you are feeding a lot of people in your home, it’s unlikely that your refrigerated food has a total value anywhere near that amount ($500 or more). So, it’s good to consider whether it’s worth it to even file a claim, since you might end up spending money in the end, rather than receiving any. So, does renters insurance cover food loss from broken refrigerator incidents? The short answer is yes, it can. But, you should be careful about pursuing this type of coverage.