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Old 01/05/2008, 08:32 AM   #1
xraydoc
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Homeowner's Insurance Question

Does homeowners insurance cover an aquarium flood or even an aquarium falling through a floor onto the hood of a brand new BMW in the garage below?

This hasnt happened to me, but I foresaw it in my slumber.

Do you have to add flood coverage to protect yourself? I guess it really would be any different than a flooding washer of a plumbing rupture (minus the falling through the floor part).


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Old 01/05/2008, 09:11 AM   #2
Chihuahua6
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Flood insurance has to do with natural disasters only. Home owners will probably cover it but I would read the terms on your policy to be sure it's not excluded.


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Old 01/05/2008, 09:14 AM   #3
McTeague
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They would probably cover it and then drop you. The claim would be entered in your CLUE report and you would have difficulty getting reasonably priced coverage in the future.


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Old 01/06/2008, 08:29 AM   #4
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Talk with your agent, I know some do not cover water bed ruptures.
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Old 01/06/2008, 08:36 AM   #5
scottwhitson
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Insurance policies can be very differnet so I would definently ask your agent. Our insurance policy does cover an aquarium I made sure to ask that when we bought our house.


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Old 01/06/2008, 08:47 AM   #6
bhdmc
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Your best bet would be to contact your Homeowner insurance's claims department to get the correct answer. It is going to be claims that will pay or denial a claim. Coverage maybe different in every states.


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Old 01/06/2008, 08:56 AM   #7
MinibowMatt
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do your dreams frequently come true? I dont wish that one on anyone.


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Old 01/06/2008, 09:05 AM   #8
xraydoc
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Thanks for everyone's input, I will give them a call on Monday just to be safe and add some coverage if need be.

Quote:
Originally posted by MinibowMatt
do your dreams frequently come true? I dont wish that one on anyone.
No, fortunately they dont. I think that I had the dream because I spent several hours evaluating the structural support of my floor in order to be certain that it could support the added 1200 or so pounds. My car is however parked directly below it and I really would rater not have an aquarium on the hood.


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Old 01/06/2008, 09:53 AM   #9
jetta
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Just call and ask. I would think they would cover you for damages but I don't think they will cover any live creatures.


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Old 01/06/2008, 11:02 AM   #10
horwitzs
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*semi-hijack*

How about renter's insurance?
Most people have good or bad luck there?


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