Most policies cover water damage, one thing to note is most only cover sudden escape of water, if you have a slow leak over time most companies will not cover, also if you have a tank blow (happened to me once) they will cover damage caused but not the item that caused the damage ( unless someone or something accidentally hits the tank and causes the leak, then you can argue replacement on the tank as well, pray it never happens, salt water causes more damage than you think.

My 220g with 90g sump blew last September.

What was the reason?

I would suspect the stand. In my opinion (just an opinion I'm no expert) it needed some bracing in the middle.

http://www.canreef.com/vbulletin/sho...48&postcount=3

lol thats exactly what it needed. i cant believe that stayed up at all. usually if its just 4 posts and no cross bracing the thing would just twist like crazy

I think most home owners policies would cover an aquarium flood. Probably just tenant insurance would require the extra rider.

I specifically asked my broker in the summer and even though they don't cover damage from pets, an aquarium isn't considered a pet, so the damage is covered. But I'd probably need an extra rider for the equipment, but the deductable wouldn't be worth it.

In my house we call it carpet...

Yep, I went 6 years with no floods or spills. Then a couple months ago..sump flooded.

The same stand now has Chin's old 165g starphire tank on it for the last year. Never added bracing.

The tank was a rebuild & cracked originally in the same place.

Nope. Tank on the same stand for the last year plus with no problems. No added work done on the stand. The original tank was busted in the same spot and then fixed with a 12mm sheet of Starphire but it blew in the same exact place. This new tank is Chin's old tank and has had no problems being on the same stand.