Water Damage from Broken Aquarium Covered by Homeowner's Policy?

We provide coverage for our insured under a homeowners policy, AAIS Form 3 Ed 2.0. 

Our insured's five-year-old daughter accidently hit a 55-gallon aquarium with a baseball bat. The water from the aquarium damaged the dwelling and some items of the insured's personal property. 

The dwelling coverage is all risk, and we do not find an exclusion that would apply and feel coverage would be provided for the dwelling damages. However, the personal property coverage is on a named peril basis. The policy lists seventeen named perils and number fifteen reads as follows: 

Accidental Discharge or Overflow of Liquids or Steam from a plumbing, heating, air-conditioning, or automatic fire protective sprinkling system; water heater; or domestic appliance.

 Additional language under this peril states:

In this peril, plumbing systems and domestic appliances do not include a sump, sump pump, or related equipment.

No other items are mentioned.

Would it be possible that the aquarium could be considered a domestic appliance or even a plumbing system? The terms are not defined in the policy. We researched the definition of these terms and are unsure we found anything that may not be considered ambiguous.

Indiana Subscriber

Notwithstanding whether the aquarium is an appliance, we have an issue with the loss being an overflow or discharge.

Merriam Webster Online defines discharge as a flowing or issuing out, as is a discharge of spores. Once the glass broke on the aquarium, what you had was beyond a discharge and more of a gush, which is defined as to emit a sudden copious flow. Overflow is to flow over the brim of, or to fill a space to capacity and spread beyond its limits. While the water went beyond its limits it wasn't due to an overflow, it was due to a child with a baseball bat in the house.

Therefore, there is no coverage for personal property damaged by the water and broken glass. We recommend removing the baseball bat from inside the dwelling, as the TV could be in danger next.