When our tank cracked and flooded the place we thought we were covered as we had specifically asked if the tank was included. They said they would pay for the tank but not the damage as they only paid for water damage if it was caused by the 'normal' water supply - eg burst pipe, hot water cylinder etc. We tried to explain that, as we had 18 tanks at the time, aquarium water was 'normal' but they wouldn't buy it :lol:
They did pay out after telling us to get the most expensive quote we could for the tank. Didn't cover the cost of lifting, drying, and relaying the carpet but went a long way towards it.