Insurance for Aquarium Equipment, Fish, or Coral

Discussion in 'Reef Aquarium Discussion' started by Fringe09, Oct 16, 2017.

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  1. Nothing - Not Covered by Current Policy

    37 vote(s)
    7.8%
  2. Damage to Dwelling Only

    73 vote(s)
    15.4%
  3. Damage & Aquarium Equipment

    65 vote(s)
    13.7%
  4. Damage, Aquarium Equipment & Livestock

    14 vote(s)
    3.0%
  5. Equipment Only

    3 vote(s)
    0.6%
  6. Equipment & Livestock

    3 vote(s)
    0.6%
  7. I Do Not Have Insurance

    41 vote(s)
    8.7%
  8. I Don't Know and Need to Check my Policy

    237 vote(s)
    50.1%
  1. Fringe09

    Fringe09 Active Member R2R Supporter SCMAS Member Build Thread Contributor

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    I had a chance to speak with Insurance Agent today regarding my aquarium and what homeowners insurance covers. The equipment is covered in case of a fire or theft. The equipment is not covered in case the tank breaks and damages the lights, skimmer, pumps, etc. The fish and corals are never covered.

    Is there insurance out there that covers aquarium equipment, fish, or coral in case of a tank breaking?
     
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  2. dbl

    dbl It Takes Less Energy to be Nice Staff Member Team R2R R2R Supporter R2R Excellence Award Reef Squad Leader Reef Tank 365 Article Contributor Build Thread Contributor Partner Member 2018

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    Mine covers everything but the livestock, including damage to the house if it were to spring a leak. Each carrier is going to be different. Definitely something to ask about when shopping for coverage.
     
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  3. Fringe09

    Fringe09 Active Member R2R Supporter SCMAS Member Build Thread Contributor

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    May I ask who your Insurance carrier is?
     
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  4. MaddyP

    MaddyP 'Til Reefdom Come... R2R Supporter R2R Excellence Award SCMAS Member Build Thread Contributor Partner Member 2018

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    My insurance through State Farm also covers everything except livestock. They are the only insurance company I could find that didn't hesitate about covering the tank/equipment in the case of a leak or blow out.
     
    Last edited: Oct 16, 2017
  5. GoVols

    GoVols "VFL" R2R Supporter Reef Squad R2R Excellence Award MTRCMember Reef Tank 365 Article Contributor Build Thread Contributor Partner Member 2018

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  6. dealseer

    dealseer Active Member

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    Those saying you’re covered, do you have that in writing?
     
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  7. Fringe09

    Fringe09 Active Member R2R Supporter SCMAS Member Build Thread Contributor

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    I have Farmers Insurance and they don’t cover it.
     
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  8. dbl

    dbl It Takes Less Energy to be Nice Staff Member Team R2R R2R Supporter R2R Excellence Award Reef Squad Leader Reef Tank 365 Article Contributor Build Thread Contributor Partner Member 2018

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    Can't speak for the others, but I do!
     
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  9. GoVols

    GoVols "VFL" R2R Supporter Reef Squad R2R Excellence Award MTRCMember Reef Tank 365 Article Contributor Build Thread Contributor Partner Member 2018

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    Get an independent agent and check on Grange.
     
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  10. Fringe09

    Fringe09 Active Member R2R Supporter SCMAS Member Build Thread Contributor

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    Thank you
     
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  11. MaddyP

    MaddyP 'Til Reefdom Come... R2R Supporter R2R Excellence Award SCMAS Member Build Thread Contributor Partner Member 2018

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  12. Fringe09

    Fringe09 Active Member R2R Supporter SCMAS Member Build Thread Contributor

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  13. Betty1964

    Betty1964 Active Member

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    My insurance agent said “we don’t cover fish but I’m pretty sure your power went off and you lost all of the food in your freezer.” It’s only $500 but better than nothing. We didn’t take her up on it but it made me laugh.
     
  14. splix

    splix Active Member

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    My HOI agent told me that if it malfunctions and causes damage it's covered including the tank, just not livestock. If I walk up to it with a baseball bat and smash it, nothing is covered.
     
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  15. Diesel

    Diesel String Stalker. R2R Supporter R2R Excellence Award Reef Spotlight Award Photo of the Month Award Partner Member 2018

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    We have Geico and yes tank, stand and equipment is covered.
    Our Flood ins will cover the equipment and tank as well.
    A few went through that event with Harvey and if equipment was not older than 2 years they got granted 100%.
     
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  16. Newb73

    Newb73 Valuable Member Partner Member 2018

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    Is that a special rider or just part of the regular policy?
     
  17. MaddyP

    MaddyP 'Til Reefdom Come... R2R Supporter R2R Excellence Award SCMAS Member Build Thread Contributor Partner Member 2018

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    It was explained to be a part of the policy. However, I don’t find any wording, for or against, coverage of an aquarium.
     
  18. Newb73

    Newb73 Valuable Member Partner Member 2018

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    Just make sure what ever happens gets reported as an accident such as you "fell into the side of the tank" because spontaneous failures from manufacturers defects will make them reluctant.
     
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  19. Diesel

    Diesel String Stalker. R2R Supporter R2R Excellence Award Reef Spotlight Award Photo of the Month Award Partner Member 2018

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    That's fraud!!
     
  20. PiscesPower

    PiscesPower All your anemones are belong to me R2R Supporter Reef Tank 365 Build Thread Contributor Partner Member 2018

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    I have renter's insurance and it will cover damage to the dwelling IF the owner sues me for it. Other than that nothing. It's from a branch of Progressive.
     
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