If you have a fish tank, count yourself lucky. Fish are some of the coolest and most intriguing pets around.

Fish owners often wonder whether their home insurance covers the tank itself. Here’s the answer, courtesy of Brittany Olson Insurance Agency LLC, serving the greater Cloquet, MN, area.

Fish Tanks and Home Insurance

Fish tanks are generally treated as personal property under a home insurance policy, meaning they’re typically covered up to a certain limit. As long as your tank isn’t an exceptionally high-value item, most standard policies will cover it.

It’s also worth noting that most home insurance policies cover water damage. So if a tank leaks or breaks and damages nearby belongings, there’s a good chance your policy will help cover those resulting losses as well.

Are Aquariums Considered Household Appliances?

Home insurance policies often cover personal property damaged by household appliances, which raises an interesting question: Does an aquarium count as personal property?

Household appliances are generally defined as devices built for a specific function or use. Depending on how strictly that definition is applied, opinions can vary on whether an aquarium fits the category.

Read Your Policy’s Language

The bottom line is that most home insurance policies are built to cover direct physical loss in a broad sense, but the specific wording of your policy matters. Take a close look at your Minnesota home insurance policy to understand exactly what your coverage includes.

Brittany Olson Insurance Agency LLC Is Here for You

Are you in the market for home insurance? If you live in the greater Cloquet, MN, area, we’re on your side. Dial 218-499-8636 for your customized quote.

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