sorry - I don't understand - I'm not sure what you mean by 'they won't do it'. I agree you have 2 contractual relationships. One between you and the insurance company, and 2 with your agent. If you have documentation that you asked your agent to make sure that your policy contains something that would cover aquarium damage, he or she says 'they will', and they don't you may have a cause of action against the agent's errors and omissions policy. We bought our first house, and requested an extra flooding rider due to the neighborhood. The insurance agent listed that it was present. Unfortunately, a 10 inch rain happened 2 weeks after moved in - with about 2 feet of water in about 1800 sq feet of our house. The agent ended up having to cover the damage, since it was clearly stated that supposedly the insurance had been put into place. If we had not had that conversation documented, there would have been no reimbursement.