When you’re setting up a new tank, aquarium liability is probably the last thing on your mind. And no one is going to force you to get a specialty policy to cover your aquatic wonderland. But here’s the thing, accidents happen. An appropriate insurance policy may be your golden ticket should a time come when you need it.

To determine what sort of coverage you may need, here are some questions to ask yourself:

• If your aquarium breaks, who’s responsible for replacing it?
• If your aquarium leaks into your downstairs neighbour’s home, who pays for the damage?
• If someone breaks into your home and steals or breaks some of your gear, are you covered?

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