Your home is often among your most significant investments, so protecting it with earthquake insurance is critical when you reside in Pleasanton, CA, which averages more than one earthquake per day. Though most earthquakes are minor, the Bay Area has experienced its share of severe earthquakes, so insuring against their financial consequences is common sense.

Still, you have many choices when buying earthquake insurance, and the Miao Insurance Services team stands ready to help you make a wise choice based on your situation and needs.

Earthquake Insurance Coverage

Policies written under the California Earthquake Authority (CEA) cover the following:

• Dwelling: covers your home and attached structures up to the value of your homeowner’s policy (not required for condo owners and renters)
• Personal Property: electronics, appliances, clothing, and other belongings
• Additional Living Expenses (ALE): Temporary living expenses during evacuation and repair

Earthquake insurance excludes certain types of damages because other policies cover them:

• Fire: homeowner’s policy
• Vehicles: auto policy

In addition, while other elements of our home, land, and belongings are not covered by basic earthquake insurance, they are insurable as options or through separate policies. These include:

• Land: sinkholes and erosion
• Flood: drain backup, flood, or tsunami
• Building Code Upgrade: retrofitting a home to current building codes
• Emergency Repairs: short-term repairs to limit further damage, such as boarding up broken windows
• Breakables: glassware, pottery, and similar
• Exterior Masonry Veneer: stucco and other nonstructural facings

Working with Miao Insurance Services

Miao Insurance Services covers the earthquake insurance needs of many in the Pleasanton, CA area. We will work with you to recommend the policy that best meets your unique situation, as we likely have with your neighbors. So, call us today for your earthquake and other insurance needs.