What do you do for Home Insurance??

danthemanj · 05/09/2006, 07:24 PM

Hi,

I just got off the phone with Liberty Mutual (my insurance company) and was told that if my 90 gallon tank leaked and damaged my house, it would not be covered. Does anybody have an insurance policy that would cover this? Is it with Liberty Mutual?

This has really got me thinking, especially if you have a tank in the living room where you could possibly have the most amount of damage.

Thanks,

Dan

mayor10 · 05/09/2006, 07:27 PM

Last time I inquired about this I was renting and was getting renters insurance. Same thing, no coverage for damage done by a fish tank. Didn't bother to ask my homeowners insurance.

xtremedelta · 05/09/2006, 08:03 PM

Tell them your washing machine leaked

they'll never know

Subrafta · 05/09/2006, 08:10 PM

I talked to State Farm when I bought my tank. Water damage over time from a slow leak / neglect would not be covered. Water damage because the tank broke and flooded the living room would, just like if a water line broke.

Tank contents would not be covered in either case.

IANAIS (I am not an insurance salesman)

JmLee · 05/09/2006, 08:12 PM

IANAIS? come on now... arent we getting a bit crazy with the abreviations?. IANAIS is like deciphering a code.

maxima k2 · 05/09/2006, 08:29 PM

Subrafta is correct! I just spoke with my Liberty Mutual agent(my wife) and if the tank burst or failed all at once it would be covered. Just like a burst water pipe would be covered. The live stock will NOT be covered.

danthemanj · 05/09/2006, 08:30 PM

Subrafta,

Who gets to decide on whether it was neglect or an accident? The insurance company or the fire department? What about short circuits / fires because of the water damage.. Did they give/show you anything in writing about the coverage? Until this evening I was under the impression that I was covered just like you that was till I spoke to a supervisor.

Thanks,

Dan

05/09/2006, 07:24 PM	#1
danthemanj Registered Member Join Date: Jun 2005 Location: NJ Posts: 460	What do you do for Home Insurance?? Hi, I just got off the phone with Liberty Mutual (my insurance company) and was told that if my 90 gallon tank leaked and damaged my house, it would not be covered. Does anybody have an insurance policy that would cover this? Is it with Liberty Mutual? This has really got me thinking, especially if you have a tank in the living room where you could possibly have the most amount of damage. Thanks, Dan

05/09/2006, 08:03 PM	#3
xtremedelta Registered Member Join Date: Jan 2004 Location: plano texas Posts: 199	Tell them your washing machine leaked they'll never know __________________ Xtremedelta Current Tank Info: i have a 55 gal with invert crustations, about 80lbs of live rock, and other corals, along with a royal gamma, purple tang, blue tang, six line reef wrasse, yellow stripe marroon clown, scotter blenny dragonette and a mandarian dragonette

05/09/2006, 08:10 PM	#4
Subrafta Registered Member Join Date: Feb 2004 Location: SW Ohio Posts: 399	I talked to State Farm when I bought my tank. Water damage over time from a slow leak / neglect would not be covered. Water damage because the tank broke and flooded the living room would, just like if a water line broke. Tank contents would not be covered in either case. IANAIS (I am not an insurance salesman) __________________ That night I dreamed in peaceful sleep of shady summertime Of old dogs and children and watermelon wine. Current Tank Info: Oceanic 37g, JBJ 12g Nano DX

05/09/2006, 08:29 PM	#6
maxima k2 Registered Member Join Date: May 2002 Location: Joliet, IL Posts: 600	Subrafta is correct! I just spoke with my Liberty Mutual agent(my wife) and if the tank burst or failed all at once it would be covered. Just like a burst water pipe would be covered. The live stock will NOT be covered. __________________ "Those who would give up Essential Liberty to purchase a little Temporary Safety, deserve neither Liberty nor Safety" - Benjamin Franklin Current Tank Info: 230g

05/09/2006, 07:27 PM	#2
mayor10 Registered Member Join Date: Mar 2006 Location: Columbia, SC Posts: 111	Last time I inquired about this I was renting and was getting renters insurance. Same thing, no coverage for damage done by a fish tank. Didn't bother to ask my homeowners insurance.

05/09/2006, 08:12 PM	#5
JmLee Registered Member Join Date: Jan 2006 Location: Hohensfels, Germany Posts: 1,545	IANAIS? come on now... arent we getting a bit crazy with the abreviations?. IANAIS is like deciphering a code.

05/09/2006, 08:30 PM	#7
danthemanj Registered Member Join Date: Jun 2005 Location: NJ Posts: 460	Subrafta, Who gets to decide on whether it was neglect or an accident? The insurance company or the fire department? What about short circuits / fires because of the water damage.. Did they give/show you anything in writing about the coverage? Until this evening I was under the impression that I was covered just like you that was till I spoke to a supervisor. Thanks, Dan