Worked in the industry doing fire and flood restoration in the past. $80 a month is cheap compared to the cost of potential repairs. A seemingly small leak from a dishwasher or tank can easily do $20,000 to $30,000 in damage.
I would never go without insurance myself.

ya but that will be covered by the homeowners policy, as a renter the only thing you need is content insurance to protect your stuff.

I think Neoh is a little confused as you can not get home owners insurance unless you own the home.

In our old apartment owned by Boardwalk there was a very specific section in the rental agreement addressing pets. It said specific animals that were/weren't allowed in the building. Ours said fish tanks were ok up to a certain size. I told the manager what size my 85g was and they ok'd it. Not in writing though. Also, we had tenants insurance, not home owners insurance. My wife and I were only dating then.

Bets of luck and it sounds like the lady has already made up her mind if she sold you her return pump.

I do rental property management. It all depends on what your Residential Tenancy Agreement states.