floods?

[fkshiu]

Renter's insurance is a very good idea.

You can virtually eliminate the possibility of a flood if you take the time to properly design your sump/return layout.

Ensure that you have enough empty capacity in your sump to handle the amount of water that drains down from the main tank in the event of your return pump stopping. You can minimize this amount by having your drains and returns higher up on the main tank and by drilling one or more siphon-breaks in the return line(s).

Conversely, if somehow the water stopped draining out of the main tank, but your return pump continues to pump water up (e.g. blockage), ensure that you have enough empty volume in the main tank to handle the maximum amount of water the return can pump up. You can minimize this amount by ensuring that the return pump section of your sump is a well sealed compartment. You may end up with a burned out return pump, but you'll have a dry floor.

If you are really concerned, you can always buy a water sensor that screams bloody murder if any moisture is detected on the floor.