We lost a lot of frozen food a few years ago when there was a power cut while we were away for 2 weeks, including bulk buys of local farm produce, jointed lamb carcasses and Dexter beef joints and steaks. Our next door neighbour was keeping an eye on things, but didn’t think to check on the freezer. Tried to claim on house insurance, which said it covered it, but we were actively discouraged from doing so by the person we spoke to at the insurance company, who said our premiums would go up by roughly the amount we were claiming, were we sure we wanted to make a claim. We didn’t in the end, but I resented it. Why pay insurance at all if that is what happens.