So you just buy a really big and state of the art fish tank to put on the table in the living room of your second floor appartment. You just read all the papers to install it and your all set to put the fishes inside.
You have the new automated feeding system who has chickened out while you were out and your neighbor appartment now looks like a pool.
You could not do anything at that moment, but before it happen call your Home Insurance Compagny to tell them your about your new toy. Can you imagine the cost if something wrong happen with your aquarium, don't take any chances and call your agent or broker it will save you quite a lot money and the damage in case the worst happen.