CSU Extension: Insuring Your Food Investments in the Freezer

As we come into the holiday season, many people are finding their deep freezer is full of all sorts of food. Frozen summer vegetables, beef, pork, lamb, wild game, and fish are typical contents of a family freezer. But have you ever considered the value of the contents?

For example, if you have a half beef in the freezer, it could equal 200 to 300 pounds of meat. If you value it at the basic ground beef price of $4 per pound, you easily have an investment in beef of between $800 to $1,200. What happens to this investment should it be lost due to a freezer failure?

It is always a good practice to understand the coverage you have with your insurance policies. Homeowner’s and renter’s insurance policies may be written to include coverage for the contents of a freezer should it quit or be without power for an extended period of time. If not, it may be an additional policy option. There are certain qualifications such as age of the freezer when food is lost, age of the food in the freezer and cause of the food loss for a claim to be approved. Check with your insurance provider and see if you are covered or if you can get coverage.

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Colorado State University Extension is your local university community connection for research-based information about natural resource management; living well through raising kids, eating right and spending smart; gardening and commercial horticulture; the latest agricultural production technologies and community development. Extension 4-H and youth development programs reach more than 90,000 young people annually, over half in urban communities.

By Brian Allmer - The BARN

Brian Allmer & the BARN are members of the National Association of Farm Broadcasting (NAFB), the Colorado FFA Foundation, the Colorado 4H Foundation, the Colorado Farm Show Marketing Committee, 1867 Club Board Member, Denver Ag & Livestock Club Member, the Weld County Fair Board, the Briggsdale FFA Advisory Council, Briggsdale 4H Club Beef Leader & Founder / Coordinator of the Briggsdale Classic Open Jackpot Show.