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It depends on the cause of the power failure and the loss you suffer. For instance, if a storm causes the power failure, and it stays out for 3 days whereby your freezer defrosts causing a side of beef and food to ruin that you paid $1200 for, then yes you would have coverage. If the power goes out for 3 hours and the freezer did not defrost and you had no loss then there would be no need as no loss occurred.
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