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I have USAA home insurance and I think the deductible for that sort of "flooding" would be in the $5k range on my policy (I have a separate federal flood insurance policy for "real" floods). Of course water damage can be more than the surface of the floor itself (and whether your floor is on a concrete slab or not), extending to interiors of walls, future mold problems, etc.

Anyway, my point is that I would be skeptical of insurance being the best option after an aquarium mishap, say <20 gallons. There are a lot of variables, though. I hope your towels did the job!
 
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