What specific components of my aquarium are covered by contents insurance?

Contents insurance generally covers the physical tank structure, the stand it sits on and essential equipment like filters, heaters and lights. However, the living creatures such as fish and aquatic plants are usually not considered contents and therefore not covered. It is important to always check your Product Disclosure Statement PDS for exact details regarding what is included in your policy.

Do I need to inform my landlord or insurer about having an aquarium?

It is generally advisable to inform your landlord that you have an aquarium, particularly if it is large, as there may be specific clauses in your tenancy agreement regarding water features. Some landlords may require prior approval. You should also tell your contents insurer when you take out or update your policy, as non-disclosure could impact your ability to make a claim later.

Are there any specific conditions or precautions I need to take for my aquarium to be covered?

Insurers typically expect you to take reasonable care to prevent damage. This might include ensuring the aquarium is properly installed on a sturdy stand, not overfilled and regularly maintained to prevent leaks. For very large or valuable aquariums, some policies may have specific requirements or limits on the amount of cover provided. Always review your policy documents for any conditions that may apply to your aquarium.

What should I do if my aquarium causes damage in my rented property?

If your aquarium causes damage, first take immediate steps to stop any further damage if it is safe to do so. Then, document the damage thoroughly with photos or videos. Contact your landlord straight away to report the incident, particularly if the building itself is damaged. Finally, notify your contents insurer as soon as possible to begin the claim process for your belongings and any potential legal liability.

Are there any common exclusions for aquarium damage in renters insurance policies?

Yes, common exclusions for aquarium damage in renters insurance policies often include damage from wear and tear, rust, gradual deterioration or poor maintenance. Damage caused by pests, vermin or mould may also be excluded. As noted in the article, the fish and other aquatic creatures living in the tank are typically not covered as contents. Always read your policy's Product Disclosure Statement PDS carefully to understand all exclusions.