Insurance

[sphelps]

Livestock coverage sounds like insurance shenanigans to me, how does it work? The value off an established tanks livestock can easily add up to tens of thousands and with really no way to appraise it, so I assume you'd just have make up a number for coverage. After all receipts are rare and value changes overtime plus many items can't be replaced.
And what kind of death is covered, accidental, suicide, murder.... Seems highly controversial.

Any home policy should cover water damage and equipment to a certain amount, that's basic stuff and you shouldn't need any extra coverage.