I would get a generator. I live on the coastline, and we have frequent hurricanes. Sandy, and Irene both took my power out for days. I would be aware of the weather/issues you have frequently, and prepare for those. Do you have enough to get you through a week of various issues?

I do have large fishtanks, and I made sure to add that to my policy. If a tank broke, I would be covered for the water damage. Same applies to reptiles. If you have a large investment on the animals, then I would get more coverage. If there are break ins in your neighborhood, do you have some security? Locks at the very least. Things like that.

http://www.petinsurance.com/birds Also consider something like this.

**Additional Info**
pets can be covered as a scheduled endorsement to a homeowners policy/renters policy - however it is limited to: Domestic animals including, but not limited to, dogs, cats, birds, fish, guinea pigs, and pot bellied pigs.
The following can not be covered: Exotic animals including, but not limited to, snakes, wolves, bears, large cat varieties (e.g., mountain lion), weasels, ferrets, iguana, lizards. ( every state and every insurance company has different laws/rules regarding insurance so this could vary depending on the state you are in or the insurance company you are with. However, insurance company wise they are usually pretty similar in regards to what they will insure)

I would be curious to ask some of the larger breeders on here, how they handle it? I can imagine with some of these collections, that they are completely vulnerable.

Thoughts?