Doesn’t the landlord have insurance coverage?

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Surprisingly, many renters do not have renters insurance. Only about 55% of renters have it, and 75% of those only have it because their landlord or management company requires it. This is concerning. Miao Insurance Services, located in Pleasanton, CA, is a locally owned and operated independent insurance agency that serves the San Francisco Bay Area and all of California.

Landlord Insurance

While landlords have insurance, it’s important to understand that their coverage doesn’t extend to you. Landlords’ insurance covers their property, protecting the building and their belongings within it. Their insurance does not cover your personal property, and if your dog bites someone or your child damages something, you are responsible.

Renters Insurance

Renters insurance covers the personal property that you may have in the rental or your vehicle. Your rental insurance will cover if something is stolen from your unit or your car. You are covered if you lose all your possessions to a fire or tornado. It also provides liability insurance so that you are covered if someone is visiting you and is injured or injured by a member of your family. Another important coverage is loss of use. If a covered hazard damages your rental, rental insurance will help cover the cost of temporary accommodation. Don’t rely on your landlord to protect your property.

If you have questions about renters insurance, give our office a call at Miao Insurance Services in Pleasanton, CA, or stop by our office to discuss your needs with one of our knowledgeable staff.

Extra Motorcycle Insurance Coverage Options You’ll Want to Consider Before a Long Trip

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Motorcycle riders in Pleasanton, CA, will need basic motorcycle insurance coverage to meet state requirements. However, this type of coverage won’t compensate for situations many motorcycle drivers face when taking a long trip. Extra coverage can protect your bike and save you a lot of time and hassle if problems arise during your travels.

Comprehensive Coverage

Comprehensive coverage protects your motorcycle if it’s stolen, vandalized, or damaged by inclement weather. It also covers animal collisions and damage caused by falling objects.

Medical Coverage

Basic motorcycle coverage doesn’t cover your injuries if you’re in an accident, as the other driver’s insurance policy is meant to cover such expenses. Unfortunately, not all drivers are fully insured. Medical coverage will provide compensation for your medical bills if you’re in an accident, regardless of which driver is at fault.

Roadside Assistance

Breakdowns can happen at any time. Roadside assistance ensures you aren’t stranded if your motorcycle stops working correctly at any point during your trip. It covers towing and on-site labor.

Trip Interruption Coverage

If damage to or loss of your motorcycle leaves you stranded far from your destination, trip interruption coverage will cover expenses such as lodging, food, and alternative transportation.

Find out More from Miao Insurance Services

Miao Insurance Services serves customers in and around Pleasanton, CA. We’re a locally owned insurance agency that offers coverage options from multiple carriers to help you find the policies that best meet your needs and budget. Give us a call if you want to make sure you’re fully covered before a trip, and one of our team members will help you assess our policies and policy bundles so you can get the protection you need and deserve.

What is Worldwide Coverage Umbrella Insurance?

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Residents of Pleasanton, CA, who frequently travel outside the country may want to consider worldwide umbrella insurance in addition to a travel insurance policy. Umbrella insurance that covers international travel can compensate for incidents your travel insurance won’t cover. Moreover, it offers additional compensation when you reach the limits of your travel insurance.

What Does Worldwide Coverage Umbrella Insurance Cover?

Worldwide coverage umbrella insurance offers the same coverage levels as a regular umbrella insurance policy. The only difference is that worldwide coverage is valid no matter where an accident or damage occurs. If you’re traveling abroad for any reason, you can rely on this form of coverage to provide compensation for covered events. For instance, if you’re boating in the Caribbean and cause an accident, worldwide umbrella insurance will cover legal and settlement costs if the injured party decides to take you to court. If you travel for business and are accused of defaming a foreign competitor, worldwide umbrella coverage will pay legal, settlement, and judgment fees.

However, worldwide umbrella coverage doesn’t compensate for injuries you incur while abroad or at home. It won’t cover the deliberate or accidental damage you cause to your property. It also doesn’t cover damage already covered by another insurance policy.

Learn More About Worldwide Coverage Umbrella Insurance from Miao Insurance Services

Miao Insurance Services is an independent insurance agency serving Pleasanton, CA, and the surrounding area. We offer policies from multiple carriers to make it easy for you to find the insurance policy or policy bundle that meets your exact needs. Contact us to learn more about your umbrella insurance options or to get a quote on your choice of insurance coverage.

Protect Your Pleasanton CA Business from Damages Caused by Vandalism and Theft

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Safeguarding Your Business in Pleasanton, CA against Vandalism and Theft

Pleasanton, CA, is generally perceived as a great place to live and raise a family. It’s fairly safe, but this scenic California community is not entirely impervious to crime.

Unfortunately, property-related crimes, such as vandalism and theft, occur here. The good news is that there are a few preventative measures local business owners can take to safeguard their investments. Learn several ways to protect your Pleasanton, CA business from financial losses associated with commercial vandalism and theft below.

Preventive Measures against Vandalism and Theft for Your Pleasanton, CA Business

Stay Updated on Local Crimes

Visit the Pleasanton Police Department website to stay informed about recent crime updates. This resource provides accurate and current information that can alert business owners if crime rates are intensifying in their areas.

Invest in Comprehensive Commercial Insurance

While larger businesses in California are typically required by law to carry commercial insurance with certain provisions, smaller business owners can fortify their investments by maintaining a comprehensive commercial insurance policy. A comprehensive policy usually includes coverage for vandalism, theft, natural disasters, cyber theft, property insurance, and commercial auto insurance.

Proactive local business owners looking to protect their assets should contact a trusted local insurance professional at Miao Insurance Services.

Act Before It’s Too Late!

A licensed and informed insurance agent can answer your business insurance-related queries, offer professional advice, and provide you with a customized commercial insurance quote for your business.

Contact Miao Insurance Services to learn how to get a free quote and start a new commercial insurance policy today!

When is it a good idea to get an earthquake insurance plan in California?

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If you live in the Pleasanton, CA, area, you are likely aware that there is always a small risk of an earthquake. One of the challenges that an earthquake can bring is that it could cause serious property damage to your home. A great way to manage this risk is by getting a proper insurance plan. There are various situations in which obtaining an earthquake policy is a good idea. 

When Trying to Protect the Home

A primary reason to get an earthquake insurance plan is to protect your property. If an earthquake damages your home, the costs to repair your property and structure can be considerable. In many cases, a standard home insurance plan in this area of California will not protect against this risk. When you get an earthquake insurance policy, you will know that you have support in these situations. 

When it is Required

When you buy a home and take out a mortgage, you need to meet your lender’s insurance requirements. In many cases today, this includes getting a full earthquake policy. If a lender decides that your home is at a higher risk of earthquake damage, they will want to ensure you have the right coverage in place to manage this risk. 

An earthquake insurance plan is always a suitable type of coverage to consider when you are in the Pleasanton, CA, area. If you are going to obtain this type of coverage, you should call our professionals with Miao Insurance Services. Our team of professionals at Miao Insurance Services will offer the help you need to build a plan that will protect your home against the risk of earthquakes. 

Common Misperceptions About Homeowner’s Insurance

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If you are a homeowner in the Pleasanton, CA, area, the odds are good that you have home insurance. If you have a mortgage, your lender probably requires it. Miao Insurance Services is pleased to provide coverage for many in our area.

There are some misperceptions, however, about homeowners insurance that you should be aware of:

Home insurance doesn’t cover wear and tear.

Home insurance requires proper maintenance. Wear and tear are generally not included. If a door, window, water heater, plumbing, or faucet requires replacement, it will not be covered.

Whether the average home is covered in case of flooding.

Flooding is not covered under a basic home insurance policy. Flood insurance is managed through the National Flood Insurance Program, which can be facilitated through Miao Insurance Services.

All insurance companies are the same.

This is a huge misperception. Insurance companies vary in products, service levels, and, yes, even rates. It can pay to compare.

You are covered for earthquakes.

Earth movement is generally not covered under a basic homeowners insurance policy. This can include landslides and earthquakes.

Get an insurance review today.

If you own a home in the Pleasanton, CA, area, we encourage you to contact us at Miao Insurance Services to discuss your coverage. We can review your policy, answer your questions, help cover any gaps or concerns, and provide a price quote. You may even qualify for a better rate. You will likely get greater peace of mind.

If you have questions or misperceptions about your home insurance, contact us at Miao Insurance Services.

Do You Need Insurance on Your Garage-Only Classic Car?

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If you have a garage-only classic car, you may be surprised that you likely still need auto insurance on your vehicle. At Miao Insurance Services, we’re proud to serve Pleasanton, CA, and we’d love to talk with you about your car insurance needs. Let’s consider what you need to know about insuring your garage-only classic car.

Why Do I Need Car Insurance on My Garage-Only Classic Car?

Many people have the false assumption that they do not need car insurance on a car that they do not drive regularly, but this typically is not true. When you insure your classic car, you’re protecting your investment against issues like theft and vandalism. Sadly, classic cars are notoriously hard to recover if they’re stolen, according to Ted Saraf, the Los Angeles senior law enforcement liaison for LoJack, a company that specializes in stolen vehicle recovery systems.

Thieves aren’t the only threat to your classic car. When you purchase insurance to cover your garage-only vehicle, you’re also protecting against damage caused by natural disasters like fires and floods and other damage that can occur during storage, like problems due to garage collapse or rodent damage.

There are several types of policies for classic cars, and your insurance agent can help you determine which level of coverage is right for your needs.

Reach Out to Miao Insurance Services, Serving Pleasanton, CA

At Miao Insurance Services, serving Pleasanton, CA, our team of insurance professionals is here to give you the peace of mind that you need. Reach out to our team today to learn more about how we can help protect your classic car and meet any other auto insurance needs. 

The Hidden Benefits of Renters Insurance

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Many renters in Pleasanton, CA, underestimate the value of having renters’ insurance, often seeing it as an unnecessary expense. However, at Miao Insurance Services, we know that the benefits of this type of coverage go far beyond the obvious. Renters insurance provides essential protection for your possessions and so much more.

One of the less obvious benefits of renters insurance is liability protection. If someone were injured in your rented home, liability coverage can protect you from potentially devastating legal and medical bills. Another significant benefit is the coverage for additional living expenses if your rental becomes uninhabitable due to circumstances like fire or severe weather. This aspect of renters insurance ensures you’re not left without a roof over your head, covering the costs of temporary housing and living expenses.

This safety net is invaluable in Pleasanton, where unexpected events like earthquakes can lead to such situations. Miao Insurance Services can help you understand how this coverage works and assist in selecting the right level for your needs.

Moreover, renters insurance is surprisingly affordable. Given its protection level, it provides great value for a relatively small investment, making it an excellent choice for protecting your valuables and ensuring peace of mind.

At Miao Insurance Services in Pleasanton, CA, we are committed to helping our community understand the importance of renters insurance. We guide you through choosing the right coverage that fits your unique situation, ensuring you are protected against potential losses.

Don’t overlook the hidden benefits of renters insurance. Contact Miao Insurance Services today to discuss how we can help secure your possessions and more. Let us give you the peace of mind you deserve with comprehensive coverage tailored to your needs.

Does Motorcycle Insurance Require the Same Liability as Car Insurance?

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Pleasanton, CA, is a great place to own a motorcycle. The entire state of California offers a lot to enjoy with the open road, but if you’re going to drive on California roads, you have to have insurance. To ensure you get the right coverage, Miao Insurance Services is here to explain how motorcycle coverage has much in common with car insurance.

Motorcycle Minimum Liability Requirements in California

The state of California spells out specific liability insurance requirements for motorcycle policies. If your insurance covers less than these requirements, you violate California regulations and can be penalized severely.

These are the minimum liability numbers:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 for property damage per accident.

Car Minimum Requirements

Car requirements in California look exactly the same. In fact, California legislation makes no distinction between motorcycles and other automobiles when laying out these requirements.

For clarity, here’s the minimum insurance you need when driving a car in California:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 for property damage per accident.

Why Are They the Same?

It’s easy to assume that you would need less liability since motorcycles are much smaller and carry fewer people. That’s not the case, and the reason is simple. Motorcycle accidents can and often do include cars in the event. That means ultimately, motorcycle-caused accidents are often still car accidents. So, the risks of injury and property damage are more or less the same, regardless of what type of vehicle you drive.

When it comes to personal protection, such as comprehensive vehicle coverage, motorcycles and cars start to look a lot different. To understand those distinctions, you can contact your Miao Insurance Services representative and see what kinds of savings you can get as a resident of Pleasanton, CA.

The Value of Umbrella Insurance

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Do you live, work, or play in and around Pleasanton, CA, and believe that additional liability insurance could benefit you? Umbrella insurance might be the innovative, affordable solution you need. Our insurance specialists at Miao Insurance Services offer the following guidance:

  • The main purpose of umbrella insurance is to provide an additional safety net for costs or damages that may exceed the limits of your existing insurance policy.
  • Umbrella coverage comes into effect only when your existing policies reach their limits.

Understanding the Value of Umbrella Insurance

Most people opt for umbrella insurance because it protects against unforeseen catastrophic events and offers peace of mind. Here are some factors to consider when assessing your umbrella insurance needs:

  • Potential Risk Exposure: Does your home or rental property present a risk requiring protection? For instance, if your home has a pool, you may benefit from umbrella insurance. This risk is also applicable to professionals potentially liable for claims, such as business owners or doctors.
  • Legal Costs: Umbrella insurance can cover any damages and legal defense costs you are responsible for.
  • Umbrella Coverage Options/Limits: Remember that you can customize umbrella insurance to fit your needs. You can choose the amount of coverage you need, ranging from approximately $1 million upwards.

Contact an Esteemed Pleasanton, CA, Insurance Services Company

Umbrella insurance offers a practical and innovative solution for individuals looking to secure their financial future. Your need for umbrella coverage varies depending on your circumstances. However, we recommend that California residents contact Miao Insurance Services by phone at 510-628-6070, by email at email, or online for more information.