Depends on the policy. If they have ACV (actual cash value) or replacement cost policy. Most businesses I would think have replacement cost. Depends on how much insurance you have to pay. I used to be an adjuster...
My tanks: 120 Reef w/L2 Algae Scrubber, 60 Reef Pond w/floating Algae Scrubber, 40 Breeder Reef w/L2 UAS Tester Algae Scrubber
I maintain: 144 SW Reef w/L2 Algae Scrubber | 200 SW Reef w/L4 Algae Scrubber
Special knowledge: Algae Scrubbers, Acrylic Fabrication