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			 Actually, I do believe most home insurance policies cover things like this. My home insurance has full coverage, with no extra riders or cost. I can't comment on rental insurance though. 
		
	
		
		
		
		
			
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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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