What coverage applies when food in an insured's freezer spoils due to a power failure occurring off the premises?

The correct answer focuses on the specific circumstances under which food spoilage is covered. When food in an insured's freezer spoils due to a power failure occurring off the premises, it generally results in a claim being excluded. This is because many insurance policies require that losses must be directly related to occurrences or damages that take place on the insured premises for coverage to apply. Since the power failure originated outside the premises where the food was stored, the insurance policy typically does not cover losses due to an off-premises power failure.

Additionally, context around the exclusions in a standard homeowner's policy reveals that certain losses, like spoilage, often have stipulations that specifically exclude scenarios like power outages that do not directly occur within the insured property. Therefore, this situation falls under the criteria for exclusion, leading to the determination that the losses incurred from the spoiled food are not covered.