We’re frequently asked questions about various kinds of pet damage, and whether or not damage might be covered under a renters insurance policy. Unfortunately, questions are often asked after a loss has occurred. The time to find out exactly what’s covered is when you’re buying the policy. Make sure you’re getting the coverage you expect and protecting against the risks that are relevant to your lifestyle. Renters insurance policy forms are quite similar in most states, so we’ll use a Colorado Springs Renters Insurance policy as an example.
Are Aquariums Covered By Renters Insurance?
The definition of what gets covered can change, depending on several factors. There are many ways to interpret this question;
- If an aquarium breaks, would renters insurance replace it?
- If an aquarium breaks, would renters insurance cover liability for the water damage?
- If an aquarium is stolen, will renters insurance replace it and its contents?
- If an aquarium pump starts a fire, is personal property damage covered?
- If an aquarium pump starts a fire, would damage to others covered?
Like anything else in insurance, meaning and word choice are paramount to determining coverage.
If An Aquarium Breaks, Will Renters Insurance Replace It?
No. If an aquarium breaks, renters insurance will not replace it. Personal property is covered by a long list of named perils, but failure of manufacturing is not one of them (this is assuming the breakage occurs spontaneously). If the tank breaks for no apparent reason, there is no claim to be made for replacement.
However, if someone broke into your home and smashed everything in sight, including the fish tank, you’d have a covered loss. This would be considered vandalism or malicious mischief, which are standard perils covered by your renters insurance policy.
If An Aquarium Breaks, Will Renters Insurance Cover Liability For The Water Damage?
No. If an aquarium breaks for any reason, your liability for the water damage is not likely to be covered. This would be considered pet damage in most circumstances. Pet damage is not covered by renters insurance because it can reasonably be expected to occur as part of owning the pet. Tanks break and leak from time to time, and it’s a known possibility.
If An Aquarium Is Stolen, Will Renters Insurance Replace It And Its Contents?
In this case, renters insurance covers aquariums. If an aquarium is stolen, renters insurance can replace the stolen property. That would include the tank and its parts, contents, decorative materials, and the like. However, the policy is highly unlikely to replace the actual fish.
If An Aquarium Pump Starts A Fire, Is Personal Property Damage From The Fire Covered?
Aquariums require electricity to operate various pumps, lights, and other equipment. While that equipment is designed for use near water, failure resulting in an electrical fire is always a possibility. If your aquarium pump started a fire, Colorado Springs Renters Insurance would cover the damage to your personal property. Coverage for the peril of fire does not require the cause of the fire to be specified, but it can’t be an expected or intended result of your actions.
If An Aquarium Pump Starts A Fire, Is Liability To Others For The Fire Covered?
Probably. Liability coverage requires your negligence. If you plugged one too many things into a power strip, for example, that’s negligent behavior and you’d be likely to have coverage for any damage caused.
If the pump simply malfunctioned for no discernible reason, there may not be a need for you to have coverage. You wouldn’t be responsible for the damages to the building or to other people in that scenario. But renters insurance still protects you. If someone sues you, the policy will defend you – even if the suit is false or frivolous. If somehow the court finds that you were negligent and are liable, renters insurance can pay that claim so that you don’t have to.
If you still have questions about renters insurance, Effective Coverage has insurance experts ready with the answers you need. Just call (800)892-4308 or click to get covered - whether you need Colorado Springs renters insurance quotes online or coverage anywhere else!
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