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Living in California means getting used to a few things: sunshine, traffic, and the occasional rumble underfoot. Earthquakes are part of life here, and while most are minor, even a small one can cause serious damage to your home and belongings. That’s where earthquake insurance through Miao Insurance Services, serving Pleasanton, CA, comes in. But many homeowners are surprised to learn that coverage for personal possessions isn’t always as straightforward as they think.
What Earthquake Insurance Covers
Standard homeowners insurance doesn’t cover earthquake damage. You need a separate policy or endorsement for that. Earthquake insurance typically protects three main areas: the structure of your home, personal belongings, and additional living expenses if your home becomes unlivable. However, the personal property portion can vary widely depending on your policy limits and deductibles. Furniture, electronics, clothing, and other household items are usually included, but only up to the amount you select when you buy the coverage.
Why It’s Important to Know Your Limits
Many Californians underestimate the value of their belongings. Imagine replacing every piece of furniture, appliance, and décor in your home all at once. It adds up fast. Earthquake insurance can help, but policies often have high deductibles. And not everything may be covered in full. Fragile items like fine china or collectibles may require separate endorsements for full protection.
How To Make Sure You’re Covered
Take an inventory of your home and estimate the total value of your possessions. Update your policy if needed, and keep photos or videos of your belongings somewhere safe. It’s also smart to ask your insurance agent to walk you through how claims for personal items work under your specific plan.
Earthquake insurance through Miao Insurance Services, serving Pleasanton, CA, can’t stop the shaking, but it can soften the financial aftershocks. Understanding your coverage now ensures you’ll have the support you need when the ground starts to move.