I personally just phoned and asked.
I didn't need anything extra, and I am fully covered. Now if one fish dies, why would you make a claim. But if the tank cracks, I have a crash, something BIG, I can make a claim.... On ~$20K invested, believe you/me, I will.
Just make a call, if you have good house/condo insurance you should be good and no extra fees.
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Setup: 180G DT, 105G Refuge (approx. 300lbs LR, 150lbs Aragonite)
Hardware: Super Reef Octopus SSS-3000, Tunze ATO, Mag 18 return, 2x MP40W, 2X Koralia 4's Wavemaker
Lighting: 5ft Hamilton Belize Sun (2x250W MH, 2X80W T5HO)
Type of Aquarium: mixed reef (SPS & LPS) with fish
Dosing: Mg, Ca, Alk
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