“I'm not sure if the $70 Geek Squad protection is really necessary, but I read a few reviews about how the freezer suddenly stopped working causing all contents to spoil. Will the 1yr manufacturer warranty replace the freezer if this happens?? Thank you”
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Actuarial background here. The most reliable appliance is a freezer, especially one with manual defrost. Very low risk for a claim with insurer. $70 is excessive! Also, your homeowners policy may pay for potential food spoilage in the event of a blackout or product malfunction. These losses generally are covered, and the deductible often is lower than the policy's standard deductible—sometimes just $100. In many policies, there's no deductible at all. However, food spoilage coverage typically is capped at $500. Don't be reluctant to make food spoilage claims.
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