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.