Who here has renter's insurance to cover potential damage from a tank accident? Any reccomendations for insurance companies or suggestions about specific things to add to the policy? The person I talked to at Geico suggested that damage caused by an aquarium would fall under general liability coverage.
renter's insurance
- Thread starter the_deeb
- Start date
I went through Allstate for my renter's insurance because they are good. You need to let the agent know you have tanks and they will advise you. My experience is that fish tanks are considered 'domestic animals', and any damage done is not covered by any homeowner or renter's insurance unless you have it written into the policy. It should only cost a couple of bucks a month to add it as an extra if it isn't covered. Good luck.
When I lived in an apartment I went through the same company I have my car insurance (Guide One) because you get a break that way. I just told him I wanted it to cover me and my tanks. It wasn't much.
i have mine through a little agency. can't remember how much exactly, but definetly get some. you never know what will happen. i can't take the risk myself seeing as i have about 500 gal total in my apartment. and yes its all thanks to my wife, she got me addicted with the quickness. just ask the agent about the specifics.
Call your auto insurance company. Most now offer many lines of coverage or have a sister/parent company that can offer it. Discounts are available with multiple vehicles & policy types.
General liability coverage is just what it sounds like. It covers acts of god, coverage for your person & family, and coverage for people working on your property. There are many riders you can add on a homeowners or renters insurance; Scheduled personal property endorsement - computer/electronic equipment, jewelry, and pets. There are exclusions for dangerous animals along with inclusions for such things as fish tanks. The tank is covered under the general liability portion of your policy. The damages they can cause are usually not. A rider must be requested and added to the policy.
Bottom line, you need to tell someone you have a tank or tanks. It needs to be specifically written on your policy and not violating any rental agreement. I don't know the specific rider, but I know the general coverage will not cover loss incurred from tank breakage as it is not a "permanent" structure in the home.
General liability coverage is just what it sounds like. It covers acts of god, coverage for your person & family, and coverage for people working on your property. There are many riders you can add on a homeowners or renters insurance; Scheduled personal property endorsement - computer/electronic equipment, jewelry, and pets. There are exclusions for dangerous animals along with inclusions for such things as fish tanks. The tank is covered under the general liability portion of your policy. The damages they can cause are usually not. A rider must be requested and added to the policy.
Bottom line, you need to tell someone you have a tank or tanks. It needs to be specifically written on your policy and not violating any rental agreement. I don't know the specific rider, but I know the general coverage will not cover loss incurred from tank breakage as it is not a "permanent" structure in the home.