First, I don't have anything aquariumwise that's more valuable than one moderately good piece of furniture, so know where I'm coming from. All I have or need is my homeowners.
Here are some thoughts related to the subject that you may or may not have had, but that your question gave rise to in my mind:
One can pay extra to insure specific items that their homeowners doesn't normally cover like expensive jewelry. Everyone should read their policy carefully. Sometimes policies contain surprises (usually limitations one isnot aware of). But sometimes they cover surprising things, too. The policy may cover a tank, lights, etc. like it is furniture.
It helps to have pictures and documentation of value stored off site. That's one of the key things if one ever needs to make a claim.
I doubt livestock can be insured, but who knows without finding out. Just about anything is insurable if one is willing to pay the price.
A good agent or broker should be able to give answers. After all they'd just love a chance to sell more insurance. They usually can answer or get answers about the level of coverage on particular kinds of items, especially valuable items. They will probably clarify what damage related to fish tank(s) like water damage or structural damage from the weight is or is not covered, too. For example if a vandal breaks a tank, the consequential damage may be covered where if the owner breaks it or it just breaks it may not be. It's all good to know the actual answers to what is covered or not
Thanks for asking such a thought provoking question!
