> in our one-bedroom NYC apartment ... Bigger tank = better If tank fails, you are liable for water damages and home insurance DOES NOT cover that. We were flodded by neighbours, the damage was $20.000 in cheap east europe commie block. Plus bigger tanks need structural support in floor (steel beams).
Whether an aquarium is covered by home/renters insurance is specific to the policy and aquarium size, not consistent enough to make statements like this. This aquaponics system is essentially a planter on top of a low stock aquarium.
I will say that the shelf supporting the aquarium seems inadequate to the job, increasing the risk.