I'm on the landlords side, on regards to the tank. Landlord has 100s of thousands invested in any one property, and it's his property. If he doesn't want the risk of a largish tank, he has the right to not allow you to have one, even with insurance. It's nice of him to allow you to have a small one. I'm a home remodeler and I've seen a 30gallon tank do close to 100k in damage to a house. This was on a second floor and the tank broke and only the surface water was cleaned up. A few years later it was found that black mold had spread through the walls (A very bad thing). I've also read about tanks doing close to half a million in damages in apartment buildings because of a brake. In apartments the broken tanks water damage can affect multiple units bellow the said apartment. I'm a reef tank lover and a landlord. I would never allow a tenant to have anything larger thank a 10 gallon in my condos, even with insurance. Just because you have insurance doesn't mean the insurance company will pay. In most cases they will find a way to not pay. I own a 120 gallon reef myself, but its my property, I'm willing to take the risk, but I'm not willing to take a risk on my tenants. Murphy's law will bit a landlord if he take risks like that. I work way too hard for my money to allow a tenant to take it from me. I'm sure your landlord is a nice guy he just realizes the risks involved. Landlord have rights to.
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