Aquarium insurance: insurance cover in the event of damage

Aquarium Insurance and Claims: Today we want to talk about a very hot topic, because it's about the Insurance for a Aquarium. If you set up one or more aquariums at home, you should pay close attention to the Insurance Cover regard. Greater property damage can quickly occur here. But what about insurance coverage? Is there a special aquarium insurance which ones to complete? Or who covers the damage? What damage can occur at all and what are the risks in an aquarium? These and other questions are answered below. But one thing first. We are not insurance brokers and specialists. That is why we also advise you to seek advice from a specialist. Our statements are only recommendations and are not insurance advice.

 

What are the risks for aquarists?

First, let's take a look at the risks an aquarium carries and what can happen.

Aquariums naturally age like any other item. Above all, the bonding of the panes entails extreme risks. The Connections and Splices can come loose and then major damage occurs. Silicone Sealant and special glue doesn't last forever either. Therefore, an aquarium should usually be replaced after 10 years. In addition, the many electrical devices can also lead to defects and dangers. Also the resilience of the floor can play a role. If this gives way, the glass can also travel and break and there can be major damage, especially water damage. Let's summarize the risks:

 

All of these things can add up to a big one Schaden to lead. But many people are unaware of the damage it causes. This is not just about the emergent water damage, but much more.

 

What damage can occur if it breaks?

If an aquarium breaks, the damage can be very diverse. This depends on factors such as location, size of aquarium, fish, and more. The following damage could result:

 

 

As you can already see from this list, there are a lot of different types of damage that can be caused by rupture of an aquarium may occur. You can find out what it looks like here in terms of insurance as follows.

 

Is there aquarium insurance?

Surely one or the other is thinking whether you can have your aquarium specially insured. According to our research, this is not possible and there is no special insurance for aquariums. At least we couldn't find one from any provider.

Which insurance companies will then cover the damage?

Here, too, it gets a bit complicated, because basically several insurance companies play a role in the event of damage to an aquarium. Below you will find the list with the relevant information.

With all the insurances listed below, you have to tell your insurance company that you are installing an aquarium in your home. Otherwise, problems may arise in the event of damage. Very often there is an obligation to report.

 

Household insurance

It doesn't matter whether you own your own property or rent an apartment. Home insurance should be mandatory for everyone. Regardless of whether you own an aquarium or not.

The Household insurance is, as the name suggests, responsible for ensuring that your own household contents are insured. So if the expensive carpet or the cupboard and table and also the sofa breaks when the aquarium breaks, then the household contents insurance should step in.

 

 

In addition, the actual damage to the aquarium is not covered by household contents insurance.

 

Liability insurance or personal liability insurance

This insurance seems to be the most important of all. Not only for aquarium owners, because it covers damage to strangers and third parties. This would also mean damage to a sub-tenant, for example the sofa being broken by the water. Whether this also includes a possible claim for damages remains questionable. In most cases, however, compensation and any claims are also covered by liability insurance. But you have to be careful here, because the Insurance companies always check them very carefully if the demands appear unrealistic. Also, the so-called always applies here value and there may be discounts on the original purchase price.

 

 

This insurance is extremely important, especially if you are setting up an aquarium in a rented apartment.

It is always necessary to check what is included in the respective liability insurance. In addition, the amount of the payments and the Coverage to be observed.

Otherwise, it could be that the insurance company does not pay for damage that is self-inflicted.

 

Building insurance

Anyone who owns their own property also has buildings insurance. However, this can insure different risks. be it one Water damage, a fire, storm or hail and other storm damage. In our case, protection in the event of water damage is extremely important. Because this is about the damage that has occurred to the house. This can include broken floors or wet walls and ceilings.

who no home Ownership Of course, he does not need this insurance if he owns it. This insurance is also mostly required when it comes to setting up around with the house firmly connected objects acts. Home contents insurance often does not cover this. This could be fitted kitchens, for example.

 

glass insurance

Glass insurance is an addition to household contents insurance. This insurance would cover the damage to the aquarium. However, the aquarium must also be reported to the insurance company in advance. Of course, glass insurance also pays for other damage that has to do with glass. This can even be ceramic hobs.

Everyone has to decide for themselves whether they are needed. Usually it also depends on the appropriate Police and insurance or the insurance premium at. Here you should take a close look at the many providers and companies.

 

electronics insurance

Another rather special insurance is the insurance for electronic devices in the household. There, for example, the electronic devices would also be part of an aquarium. Filter and heating element or the expensive aquarium computer would be insured. In addition, this insurance naturally includes even more protection for household electrical appliances.

 

Pay close attention to this when concluding the contract and also when changing the contract

If you want to take out new insurance first, you should pay close attention to whether the service for an aquarium is also included. This runs through all insurance companies. Be it household contents or liability insurance.

Usually the inclusion becomes a aquarium insurance charged extra. This can add up to 5 euros per month. But it doesn't have to. Therefore, you should compare well here and get offers from the different agencies.

You should also pay attention to a limitation of what that is capacity of the aquarium. There is often an upper limit here. Her pelvis, or her pelvis, if there are several, should not fall over this.

Finally, the tip to find out exactly before you take out insurance. Often there are also good discounts when it comes to combination insurances concerns.