Renter's Insurance for your fish??

  • We are currently upgrading MFK. thanks! -neo
Cheetah;3686834; said:
ING insurance does it for any pet in Canada. Its assessed value and doesn't cover natural death or accidental by hands of the owner.

For a $3k asian aro the premium was $200 a year.

Posted on mobile.monsterfishkeepers.com
Click to expand...

Whats the deductible? Do they cover water damage? My home owners is going to be renewing in a few months I would switch in a heart beat to not worry about a tank rupture.

I have a love hate relationship with insurance companies, they are good to have when you need them; I don't even mind that I spend money and never use them. What I do mind is when you pay your money for years and finally need them they try to find any way to snake their way out, they are like octopuses they way they can escape from paying.

A good example Travelers insurance, with their flood protection, they wont pay if it doesn't cover two properties or 2 acres. I asked them this example.

Lets say I live on the bottom of a hill and have a hill on both sides, I am in the bottom of a V of hills. If a damn breaks and floods to the roof of my house on my 1 acre of land, and my neigbors who live on top of the hill are not flood, do you pay. They told me no because that's not a flood.




Not sure how reputable these people are.
http://www.aquariumlifesystems.com/insurance.htm
 
nfored;3686769;3686769 said:
I would double check with progressive. I was worried about water damage to my house. I called 5 insurance companies and none would cover the water damage if the tank bust. Not even if I bought Flood and Umbrella insurance. Progressive was one of the people I called. I would get it in writing, better to be safe then sorry. If you do get it in writing I will be switching insurance.

Good luck.

As far as live stock, you might try talking to a zoo about their insurance or a farmer.
Click to expand...
yeah the rep i spoke to said its additional coverage for any kind of water damage, whether it be plumbing, fish tanks, whatever. it only added a few bucks more per year
 
I go through American Family Insurance and they cover my pets as "property" under my renters insurance. Kinda cool!
 
chesterthehero;3686235; said:
none that ive ever heard of.. not for a living fish anyway.. most you can hope for is coverage for the damage it may do if it fails.. when i checked into this i was told the only way i could get the tank itself covered if i had the tank/stand/floor installed by professionals and even then it was iffy..
Click to expand...


I own my home and have home owners insurance (contents, fire etc).

I have heard of fish friends of mine paying extra per year to cover extra water damage (if a tank breaks)

however, I have also heard many stories of insurance companies saying they will cover this damage if your aquarium breaks, and then when you file a claim they tell you its your fault you put the tank there and we are not covering this damage..

because I think you will find it near impossible to find an insurance company that has any specific language that refers to 'aquariums' in their policies.

so when you come time to file the claim, they tell you its not covered and your on your own..

I would like to hear from some fellow Canadians (esp. Ontario) to see if they have any info...
 
keepinfish;3687167;3687167 said:
1st of all you are getting screwed using progressive. they are a rip. You need State Farm......
Click to expand...
i got a quote from state farm. it was the same price for half as much coverage, $20k. getting screwed, i dont think so :screwy:
 
jcardona1;3687195; said:
i got a quote from state farm. it was the same price for half as much coverage, $20k. getting screwed, i dont think so :screwy:
Click to expand...


really? it must be different state to state. State farm is the only way to go in most states. Nobody compares in my state. Also trying to get paid if you have a loss with progressive or someone is not nearly as easy as with SF
 
keepinfish;3687196;3687196 said:
Home owners insurance covers aquarium floods. It will cover acts of ignorance.
Click to expand...
i rent, thats why i need renters insurance LOL
 
You must log in or register to reply here.
MonsterFishKeepers.com
Top Bottom