ok nother idea!

[ymolina]

some of you guys would say you have thousands invested in your tanks right? well what happened if a tornado came threw an destroyed everything? has anyone ever tried or heard of aquarium insurance?

 

[mqktandy]

It's called home owners or rental insurance. Though you would prob have to have receipts and preferable pictures to be compensated fairly.

 

[ymolina]

idk im still livin at home so i was wondering how that would be covered with like the prices of fish an stuff like that or if u had a really rare fish or somethin how would it be insured if it even could be.

 

[EastBay]

You'd have to check with the company that supplies the home owners/rental insurance. They might not even cover it.

 

[mqktandy]

If you have cheap insurance its probably not covered. Going with the slightly more expensive big name insurance companies are always the best option when you want things to be covered.

 

[ITHURTZ]

some of you guys would say you have thousands invested in your tanks right? well what happened if a tornado came threw an destroyed everything? has anyone ever tried or heard of aquarium insurance?

Id quit

 

[Heathd]

Its covered by your home owners policy under the property provision. If your policy covers 60k in property, and you have 60k in property plus 2k in aqaurium stuff, well you going to get stiffed on the aquarium part.

It not uncommon for insurance companies to give you what is considered depreciated value or used market value on items like TVs, stands, couches, etc...

So you may have purchased something for 2k, but its say 3 years old, and voila... the depreciated value is 1100. I think the only thing that is based on full replacement is the house.

I dont believe that live stock is covered unless you have a special provision in your insurance contract.

 

[dawnmarie]

A followup to Heathd who is totally correct :
If you are with a reputable insurance company ask about "Stated Value" coverage.
With this type of coverage you declare the value, not the insurance company. It is a bit more expensive but well worth it.
My homeowners policy covers my structures with "Replacement Cost" and my contents with "Stated Value" .

 

[yogurt_21]

A followup to Heathd who is totally correct :
If you are with a reputable insurance company ask about "Stated Value" coverage.
With this type of coverage you declare the value, not the insurance company. It is a bit more expensive but well worth it.
My homeowners policy covers my structures with "Replacement Cost" and my contents with "Stated Value" .

you can also have your insurance broker come down and take a look at your home and give a value estimation of the major goods. From there you can choose whether you want to upgrade to stated value or not.

this is expecially handy if you didn't pay retail for your setup.

 

[Egon]

A followup to Heathd who is totally correct :
If you are with a reputable insurance company ask about "Stated Value" coverage.
With this type of coverage you declare the value, not the insurance company. It is a bit more expensive but well worth it.
My homeowners policy covers my structures with "Replacement Cost" and my contents with "Stated Value" .

Yeah mine is the same, hopefully I never have to make this call........