TLDR version
Is there such thing as aquarium insurance (not for the inhabitants but for the damage an aquarium can do to a house)?
Details
I recently had an incident where my skimmer over-produced and caused the cup overflow all night long. Because the skimmer cup rises above the top of the sump, the excess water ended up on the inside of the cabinet. It made it's way onto the floor and ended up getting into the drywall, yada yada yada...lots of water damage.
I figured I'd file a homeowners' insurance claim because the drywall repair was about $3000 and, hey, that's what insurance is for. Naturally, they found a way to deny my claim, saying that because the leak was not something that was connected to the house's plumbing lines, it was not included in the policy.
Since the aquarium is both the most valuable and highest risk item in my house, I want to be insured against its loss as well as the damage it can do to the rest of my house. I inquired with a different insurance company who said that their policies are the same way and they didn't know of any company would accept a claim like mine.
BTW: I have since completed my project to account for all foreseeable sources of flooding :clown:
Does anybody know of a way we can be covered against floods, electrical fires, etc. caused by aquarium malfunctions?
Is there such thing as aquarium insurance (not for the inhabitants but for the damage an aquarium can do to a house)?
Details
I recently had an incident where my skimmer over-produced and caused the cup overflow all night long. Because the skimmer cup rises above the top of the sump, the excess water ended up on the inside of the cabinet. It made it's way onto the floor and ended up getting into the drywall, yada yada yada...lots of water damage.
I figured I'd file a homeowners' insurance claim because the drywall repair was about $3000 and, hey, that's what insurance is for. Naturally, they found a way to deny my claim, saying that because the leak was not something that was connected to the house's plumbing lines, it was not included in the policy.
Since the aquarium is both the most valuable and highest risk item in my house, I want to be insured against its loss as well as the damage it can do to the rest of my house. I inquired with a different insurance company who said that their policies are the same way and they didn't know of any company would accept a claim like mine.
BTW: I have since completed my project to account for all foreseeable sources of flooding :clown:
Does anybody know of a way we can be covered against floods, electrical fires, etc. caused by aquarium malfunctions?
