Originally Posted by
acrylic51
Trust me they won't cover the tank.......You might get lucky and get them to cover some equipment damage if any was done.......
Honestly this is an excellent time for everyone to actually pull their insurance policies and "really" read what is covered......I bet most if not all say explictedly that livestock, dogs, cats and such are no way in *ell covered.....Kinda makes you wonder where all you money does go though........
I just re-did my homeowners insurance a few weeks ago. For reference, this is State Farm.
I specifically asked them about coverage surrounding the tank. We also talked about the possibility of the tank failing, exactly the scenario in this thread.
What I was told is that should that happen, the tank, any damaged equipment, and damage to the house and inanimate objects within, such as my washer and dryer and network servers in the room under the tank would all be covered, but any loss of livestock would NOT be covered.
State farm also has an "exotic animal" policy you can get as a rider, but they actually called the main office and was told that the policy covers exotic birds, reptiles, etc but NOT fish.