Condo Insurance in California

Residing in a condo community comes with a number of perks, including the ability to have access to a master homeowner's insurance policy. This policy is meant to cover any shared areas by condo owners, such as hallways, pools, community centers and the lobby. However, the contents and property within your own personal condo are not covered. That is why Miao Insurance Services proudly offers Pleasanton, CA and other condo insurance to protect their property.

Property Protection

This coverage is designed to cover any personal property that resides within the four walls of your condo. Any appliances, furniture and other items that are damaged in an accident or incident that is not your fault will be covered with your policy. Your HOA policy will cover external structure damage and shared areas, but not anything within your own personal condo.

What Incidents Are Covered

Sometimes condos fall victim to the following that are out of your control:

• Theft/Burglary
• Vandalism
• Accidental Fires
• Wind damage

These types of incidents could cause significant damage to your personal condo. Unless it is shared water pipes or another system in a shared wall, you are responsible for repairing any interior structure damage, as well. With a condo insurance policy, you have the financial assistance you need.

Liability Coverage

If you are a pet owner or have small children, obtaining liability coverage is highly essential. Any guests or visitors that are hurt when they enter your condo can sue for medical expenses and damages, leaving you financially responsible. You can only get assistance from your HOA condo policy if it happens in a community area. Your condo insurance policy protects you should an incident happen within your own condo.

Do You Need Coverage?

If you live in or around Pleasanton, CA, give our agents at Miao Insurance Services a call today to get your personal condo insurance policy. We look forward to hearing from you soon.