Hey all! My concern is regarding renters insurance for flood damage for large tanks. Before anyone gets all excited, I've already searched the MFK forum for answers and I'm in the final stage for my rental insurance with a 300,000k of personal liability of coverage at approx. $16 a month. Quoting from phone calls with the agent "it covers anything I would be personally liable and legally responsible for" and in a separate sentence "anything that I caused resulting in..."
My question is this: for a brand new 180 gallon glass tank, manufactured by Visio and stand constructed by their builders- I am located on a first floor apartment on slab floor: already approved to have a tank as long as I was carrying insurance. I already assume that there's the risk of tank failure and in living in Southern California with our renown earthquakes- should there be any special wording to the policy as to include the tank OR flooding from the tank in the policy? This is also assuming that I'm actually purchasing the right coverage. I'm not a fool and know that the best situation would be to have it in writing stating: "this policy covers ANY flood damage resulting from policy holders' 180 gallon fish tank." But the true fact is, business is business. They say they aren't able to alter the policy to word it other than how it is written. Working as a professional pilot I know my share of legal documents and how they are written to barely cover their a**es but I don't want to be away on a trip and have something happen, or hell even when I'm in town to find out the hard way that my insurance in fact didn't cover ALL damages because the policy didn't include that.. My build's located here: http://www.monsterfishkeepers.com/forums/showthread.php?523348-180-Gallon-Mbuna-Reef-Build
and being that my title says I'm building a reef cichlid tank the thread was relocated- thanks to all that can offer their advice.. need to get this issue set in stone within the next day or two!
can anyone offer what coverage they have for their tanks at 150 gallons or more?? the policy is for farmers insurance.
Thanks!
>Mike
Sent from my iPhone using MonsterAquariaNetwork app
My question is this: for a brand new 180 gallon glass tank, manufactured by Visio and stand constructed by their builders- I am located on a first floor apartment on slab floor: already approved to have a tank as long as I was carrying insurance. I already assume that there's the risk of tank failure and in living in Southern California with our renown earthquakes- should there be any special wording to the policy as to include the tank OR flooding from the tank in the policy? This is also assuming that I'm actually purchasing the right coverage. I'm not a fool and know that the best situation would be to have it in writing stating: "this policy covers ANY flood damage resulting from policy holders' 180 gallon fish tank." But the true fact is, business is business. They say they aren't able to alter the policy to word it other than how it is written. Working as a professional pilot I know my share of legal documents and how they are written to barely cover their a**es but I don't want to be away on a trip and have something happen, or hell even when I'm in town to find out the hard way that my insurance in fact didn't cover ALL damages because the policy didn't include that.. My build's located here: http://www.monsterfishkeepers.com/forums/showthread.php?523348-180-Gallon-Mbuna-Reef-Build
and being that my title says I'm building a reef cichlid tank the thread was relocated- thanks to all that can offer their advice.. need to get this issue set in stone within the next day or two!
can anyone offer what coverage they have for their tanks at 150 gallons or more?? the policy is for farmers insurance.
Thanks!
>Mike
Sent from my iPhone using MonsterAquariaNetwork app
