Insurance

[Insguy]

The insurance coverage varies from each company. I have seen policies that will specifically exclude coverage on an aquarium. What that means, let’s say you have a fire. The fire destroys half of the home and the aquarium at the same time. Most people would assume that their insurance would cover it, to some degree. That is not the fact with some insurance. I just thought that it might be a topic that causes some good discussion.

Your right Sphelps that the death of fish should not be covered for suicide and murder. However, let’s take accident for example. There are policies that would respond to this. I am not talking about an individual fish but the tank, all livestock.

How do you value the tank? We need some kind of proof of what was in there. Insurance companies don’t ask for receipts for everything. Nobody has that. The will ask for pictures to prove that it was in your possession. With this hobby it seems that everyone has at least a few shots of their tank.
Check your water coverage I bet that in the last year it has changed. With the Alberta flood that happened coverage is being restricted big time. I have seen companies that won’t offer sewer back up. They will also restrict the water leakage on the policy.
Check your policy and make sure that it hasn’t changed. I would bet that everyone will see some kind of change with their policy in the next year if it already hasn’t.