If you’re a homeowner in Pleasanton, CA, chances are you’ve thought about earthquake insurance at one point or another. After all, California is on the infamous "Ring of Fire," and earthquakes are a genuine threat in this part of the country. But what exactly is earthquake insurance, and do you need it? Let’s take a closer look.

What is Earthquake Insurance?

Earthquake insurance is a type of property insurance that helps protect your home and belongings from damage caused by an earthquake. It’s important to note that most standard home insurance policies do not cover damage caused by earthquakes, so if you live in an area prone to seismic activity, it’s worth considering this coverage. Your Miao Insurance Services representative can help you find the right policy.

What Does Earthquake Insurance Cover?

Earthquake insurance typically covers repairing or rebuilding your home if it’s damaged or destroyed by an earthquake. It may also cover other structures on your property, such as detached garages or fences, as well as the contents of your home, such as your furniture and appliances. Some policies may also provide temporary living expenses if your home is uninhabitable after an earthquake.

Why Do I Need Earthquake Insurance in Pleasanton, CA?

Pleasanton CA is in Alameda County, which falls within what’s known as the "Ring of Fire." This ring encompasses the Pacific Rim and is one of the most seismically active areas in the world. So, if you live in this area of California, there’s a good chance you could experience seismic activity at some point. And if you don’t have earthquake insurance, any damage caused by an earthquake would have to be paid for out of pocket, which could be financially devastating.

Give Us A Call

Earthquake insurance is a vital part of being a homeowner in California. If you’re looking for coverage, Miao Insurance Services can help. We offer competitive rates and outstanding customer service. Contact us today for a free quote.