Homeowner's Insurance Question

xraydoc · #1 01/05/2008, 10:32 AM

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).

Chihuahua6 · #2 01/05/2008, 11:11 AM

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.

McTeague · #3 01/05/2008, 11:14 AM

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.

rbursek · #4 01/06/2008, 10:29 AM

Talk with your agent, I know some do not cover water bed ruptures.
Bob

scottwhitson · #5 01/06/2008, 10:36 AM

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.

bhdmc · #6 01/06/2008, 10:47 AM

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.

MinibowMatt · #7 01/06/2008, 10:56 AM

do your dreams frequently come true? I dont wish that one on anyone.

xraydoc · #8 01/06/2008, 11:05 AM

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.

jetta · #9 01/06/2008, 11:53 AM

Just call and ask. I would think they would cover you for damages but I don't think they will cover any live creatures.

horwitzs · #10 01/06/2008, 01:02 PM

*semi-hijack*

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