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Never thought about that, need to see if my homeowner's insurance covers the aquarium otherwise it's time to add a rider. Nice tip btw!I don't have a large tank (roughly 100 gallons) but when we got the new tank the first thing I did was call my insurance agent. Told them what we were doing and they added a rider to our policy for a negligible amount which covers us in the event of a catastrophic break.
Sound most excellent to me! Glad you made out whole!Interesting thread. I just had a 265 fail in April after 5 months that was a manufacturing defect. My insurance (Amica) covered all damage to the house. They did not cover the tank and livestock but would have for a small rider or if the tank is "built-in" to the house structure. However, the manufacturer did cover everything else so I was made whole. Just got in my new 300DD and will be setting it up soon and will post the thread of "the phoenix rising from the ashes." LFS (Nemo's in Matthews, NC) has been gracious enough to house the surviving livestock until the new tank is up and going. Best LFS I have ever dealth with.
I had a house fire that was caused by a surge protector on GFI that had an electrical arc. The surge protector was made of plastic. The investigator said you should always have a metal surge protector that way you can see if there is any corrosion, and regardless should be replaced every 3 years. Of course these things happen while you are on vacation. The long and short of it is that the my tank and all of the equipment were covered, the fish and coral were not.
After the incident naturally my wife said that was the end of my reef keeping days until the insurance company changed her mind. They told her that they had partially paid the claim for the fish tank and said that if I don't replace the tank I owed them $5,000 if I did replace the tank they owed me $5,000. I got my tank. Here is a video of the new tank:
That's pretty standard, not sure you'll find anyone who will cover manufacturers defect outside of a specialty policy like Lloyds of LondonAnyone have an agent in CA you can recommend? I've tried a lot of different carriers and cannot find anyone that can confidently ensure the tank would be covered. I'm getting a lot of confusion with varying degrees of no or partial coverage. I've yet to find any insurer that would cover the tank due to a failure from manufacture defect, just fire, earthquake etc. Any leads would be great.
Thanks