Fish tank cover- tenant home insurance???!!

Matty77*

Does anyone know which companies provide tenant home insurance for a fish tank in terms of it leaking etc?

I'm not having any luck searching online and our estate agents have requested we get this type of cover. However our current tenant insurance provider doesn't do it,

InsideInsurance

Tenants insurance = home contents

Dont be constrained to looking at insurance explicitly badged as tenant insurance, it tends to be some of the worst home insurance products in terms of value.

Most home insurance has landlords liability cover but a few ultra budgets have removed it so just check that the cover is there before buying.

Ch1ckenlady

May I add something else?

Specifically re the fish tank, is it plumbed in? Some policies state specifically under the escape of water section that cover is operative from leaks from 'fixed' fish tanks. If it's not plumbed in, then the accidental damage section should be enough.

MMA Insurance specifically mention 'fixed fish tanks' and I believe they offer cover to tenants also. It's a pretty decent policy and well priced

www.mma-insurance.com

Matty77*

That's great, many thanks, shall look into that later on.

I spoke to Aviva (not with them) they said if the tank leaks then any damage to the carpet is covered by the landlords ins and they would take the cost from our deposit. The tenants insurance covers for fixtures and fitting of which carpets aren't included. I'm wondering therefore if i don't actually need specific cover in that case?

rs65

Matty77* wrote: »

I spoke to Aviva (not with them) they said if the tank leaks then any damage to the carpet is covered by the landlords ins and they would take the cost from our deposit. The tenants insurance covers for fixtures and fitting of which carpets aren't included. I'm wondering therefore if i don't actually need specific cover in that case?

That sounds odd. If the landlords insurance pays and they take it from your deposit then the landlord has been paid for the damage twice.

rs65

Ch1ckenlady wrote: »

Specifically re the fish tank, is it plumbed in? Some policies state specifically under the escape of water section that cover is operative from leaks from 'fixed' fish tanks. If it's not plumbed in, then the accidental damage section should be enough.

I've kept fish for decades and never had a tank plumbed in. In fact, you generally wouldn't want tap water going straight into a tank. They must mean something else by 'fixed' but I don't know what.

Ch1ckenlady

rs65 wrote: »

I've kept fish for decades and never had a tank plumbed in. In fact, you generally wouldn't want tap water going straight into a tank. They must mean something else by 'fixed' but I don't know what.

Not sure - I don't know the first thing about fish tanks. Given that the phase is included under the escape of water section of the policy though, it must have something to do with actually plumbing a tank in?

Googling the same subject does seem to suggest that tanks can be plumbed in but I suppose it all depends on how it's done to safeguard the little fellas from all those potential toxins?