A broken fridge is a hassle no one wants. Beyond the inconvenience, the cost of spoiled food and emergency repairs can add up fast. At R Hobbs Insurance Agency, we want to help you protect your kitchen appliances before a breakdown occurs. Check out our latest video guide below and read on for the “deep dive” on keeping your fridge running cool.
A broken fridge is a hassle no one wants. by Chris Faggi1. Vacuum the Coils
Dust, dirt, and pet hair (especially if you have a furry friend like Roy!) can clog the condenser coils at the bottom or back of your unit. When coils are dirty, the motor has to work overtime, which leads to overheating and higher energy bills.
- The Fix: Use a vacuum attachment or a coil brush once every six months.
2. Check Your Door Seals
If your rubber gaskets are cracked or loose, cold air escapes. This forces the compressor to overwork.
- The Fix: Wipe down the gaskets regularly with warm, soapy water. Try the “dollar bill test”—if you can pull a dollar bill out of the closed door easily, your seal needs replacing!
3. Ensure Good Airflow
Your fridge needs space to “breathe” to release heat. If it’s pushed too tight against the wall or crowded by cabinets, it can’t vent properly.
- The Fix: Leave several inches of clearance around the top and sides.
4. Monitor Your Temperature
To prevent food spoilage, your fridge should be set between 35°F and 38°F. Setting it too cold wastes energy, but going above 40°F risks bacterial growth.
5. Don’t Overstuff
Air must be able to circulate through the shelves to keep everything at a consistent temperature. Blocking the internal vents puts undue strain on the motor.
Does Insurance Cover Spoiled Food?
This is a frequent question for our team here in Lincolnshire. Generally, a standard homeowners policy may cover food spoilage if it’s caused by a covered peril, such as a power outage after a major windstorm.
However, if your fridge simply “dies” due to age or lack of maintenance, insurance typically won’t cover the repair or the food. This is where an Equipment Breakdown Endorsement becomes a lifesaver—it’s an affordable way to add protection for mechanical failures that fall outside standard coverage.