i thought i would check my policy out with AMI and they said that if anything happens when cleaning it or the tank is bumped etc the tank and all other affected items would be covered - however if the tank just explodes like what happened to jim r then the tank itself wouldnt be covered but everything else ie carpet and everything affected by the water would be - so i guess thats confirmation that if the tank explodes by an act of god itself it was bumped or something fell on it not that im suggesting or condone insurance fraud