Insurance for Aquarium Equipment, Fish, or Coral

[Fringe09]

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?

 

[dbl]

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.

 

[Fringe09]

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.

May I ask who your Insurance carrier is?

 

[MaddyP]

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.

May I ask who your Insurance carrier is?

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.

 

[GoVols]

@Fringe09

Great thread!!!

 

[dealseer]

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

 

[Fringe09]

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

 

[dbl]

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

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

 

[GoVols]

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

Get an independent agent and check on Grange.

 

[Fringe09]

@Fringe09

Great thread!!!

Thank you

 

[MaddyP]

You might not be aware, but there has been a few threads about this topic...

https://www.reef2reef.com/threads/renters-insurance.188739/

https://www.reef2reef.com/threads/whos-insurance-company-covers-water-damage.279561/

https://www.reef2reef.com/threads/aquarium-insurance.253147/

 

[Fringe09]

You might not be aware, but there has been a few threads about this topic...

https://www.reef2reef.com/threads/renters-insurance.188739/

https://www.reef2reef.com/threads/whos-insurance-company-covers-water-damage.279561/

https://www.reef2reef.com/threads/aquarium-insurance.253147/

Thank you.

 

[Betty1964]

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.

 

[splix]

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.

 

[Diesel]

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%.

 

[Newb73]

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.

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

 

[MaddyP]

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

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

 

[Newb73]

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

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.

 

[Diesel]

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.

That's fraud!!

 

[PiscesPower]

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.