Insurance - Protecting your reef?

[Lance]

Originally Posted by Delphinus

Interesting question. Did you guys approach your adjusters and ask for specific coverage or did you just read the policy and find the info?

I'm curious now because water damage from an aquarium, particularly a DIY unwarrantee'd non-UL non-CSL approved e,i,e,i,o's, I could see being a problem in the event of an incident. Or do they simply say "it's fine until you make a claim but if you do make a claim boy howdy are we gonna gitcha on your rates" (they might phrase it somewhat differently in insurease-speak).. ?

Before I bought the 225g I went to my Agency and went over it with them quite extensively. They will not cover livestock or contents. Everything else is insured, including water damage, except in the case of earthquake as I do not have quake insurance. (Earthquake insurance out here on the coast is ridiculously expensive). Also will replace the tank and equipment with new not pro-rated prices.
Dave (Mrfish55) I believe has bought special insurance on his tanks and I think his contents are covered.