Wallace Wong Insurance Agency - Farmers Insurance

Wallace Wong Insurance Agency - Farmers Insurance As your local Farmers® agent in the tri-valley CA & beyond, I help customers like you identify the insurance coverage that best fits your needs.

CA Lic # 0H70444, 0M65626 Disclosure: farme.rs/disclosure

🏡 Ready to protect your biggest investment? Whether you're a first-time buyer, a long-time homeowner, or simply reviewin...
08/25/2026

🏡 Ready to protect your biggest investment? Whether you're a first-time buyer, a long-time homeowner, or simply reviewing your coverage — Wallace Wong Insurance Agency is here for you. Get your FREE home insurance quote today! Call or DM us. 📞💙

❌ MYTH: 'My home insurance covers everything.'✅ FACT: Standard policies have exclusions — especially for floods, earthqu...
08/23/2026

❌ MYTH: 'My home insurance covers everything.'
✅ FACT: Standard policies have exclusions — especially for floods, earthquakes, and high-value items. Don't assume — know your coverage! Let's review your policy together and fill in the gaps. 📞

🤝 Why work with a local agent? We know Pleasanton and the Bay Area. We understand local risks, regulations, and the uniq...
08/21/2026

🤝 Why work with a local agent? We know Pleasanton and the Bay Area. We understand local risks, regulations, and the unique needs of our community. At Wallace Wong Insurance Agency, you get personalized service — not a call center. We're your neighbors! 🏡

🚚 Your van says "business." Your personal auto policy says "not my problem."One of the most expensive gaps we see in the...
08/20/2026

🚚 Your van says "business." Your personal auto policy says "not my problem."

One of the most expensive gaps we see in the Tri-Valley: a business running deliveries, service calls, or job-site runs on personal auto policies. After an accident, the claim gets investigated — and if the vehicle was in business use, the carrier can deny it. Now the truck, the cargo, and the injured party are all on you.

If your business moves anything on wheels, check these 5 things:

1️⃣ **Titled to the business?** It needs a commercial auto policy — personal policies exclude it.
2️⃣ **Employees driving their own cars for you?** You need Hired & Non-Owned Auto liability. Their insurance is primary; yours is what saves the business.
3️⃣ **Cargo & equipment:** Auto liability doesn't pay for what's IN the truck. Motor truck cargo or inland marine does.
4️⃣ **Limits:** $1M CSL is the norm — many contracts and shippers now require it in writing.
5️⃣ **Drivers:** Pull MVRs before hiring and annually. One bad record can spike your premium or void a claim.

Growing a fleet or adding your first van? Let's review it before something happens, not after.

📞 925-474-3405 | 855 Main St, Pleasanton | wallacewonginsurance.com

🏠 MYTH: "My homeowners insurance covers flood damage."This is one of the most common (and costly) misunderstandings I ru...
08/19/2026

🏠 MYTH: "My homeowners insurance covers flood damage."

This is one of the most common (and costly) misunderstandings I run into as an agent here in the Tri-Valley. Standard homeowners policies exclude flood damage — whether it's from heavy winter rain, a creek overflowing, or a burst dam upstream. Even if you're not in a mapped flood zone, water can still find its way in.

The good news: flood coverage is available through a separate policy (often through the National Flood Insurance Program or a private carrier), and it's usually more affordable than people expect — especially outside high-risk zones.

A few other myths worth busting another day: "Renters don't need insurance" and "My credit score doesn't affect my rates." 👀

Not sure what your policy actually covers? Let's take a look together — no pressure, just clarity.

📞 Questions? Give me a call at 925-474-3405 or visit wallacewonginsurance.com

🗓️ Has your home value increased? Have you made new purchases? Did you renovate? If so — it's time to review your home i...
08/19/2026

🗓️ Has your home value increased? Have you made new purchases? Did you renovate? If so — it's time to review your home insurance policy! An outdated policy can leave you underinsured. Let Wallace Wong Insurance Agency help you stay fully covered! 📞

Your workers' comp premium is an estimate — until the audit.Every year the carrier looks at your actual payroll and clas...
08/17/2026

Your workers' comp premium is an estimate — until the audit.

Every year the carrier looks at your actual payroll and class codes and trues up the bill. Here's where Tri-Valley business owners get surprised:

1. Wrong class codes. One employee coded as a roofer instead of clerical can swing thousands. Codes should match actual duties, not job titles.
2. Overtime reported wrong. In California you can usually report OT at straight-time wages — but only if your records break it out.
3. Uninsured subcontractors. No certificate of insurance on file? That sub's pay can land on your payroll at your rate.
4. Mid-year growth. Hired five people in March and never told anyone? The audit bill arrives all at once.
5. Owner/officer payroll. Included, excluded, capped — it depends how you're set up.

Fix it before the auditor calls: keep payroll split by duty, collect COIs from every sub, and report payroll changes as they happen.

Want a second set of eyes before your next audit? We do this all day.

📞 925-474-3405 | 855 Main St, Pleasanton | wallacewonginsurance.com

👋 It's back-to-school week here in Pleasanton! Buses are rolling again on Foothill and Vineyard, crossing guards are bac...
08/17/2026

👋 It's back-to-school week here in Pleasanton! Buses are rolling again on Foothill and Vineyard, crossing guards are back at their posts, and Downtown is buzzing with families grabbing last-minute supplies.

I love this time of year — it's a reminder of how tight-knit the Tri-Valley really is. Shoutout to our teachers, crossing guards, and school staff who keep our kids safe every single day. 🍎

If you're driving through school zones the next few weeks, please slow down and watch for kids and bikes — a few extra seconds makes all the difference.

Wishing all our Pleasanton, Dublin, and Livermore families a great start to the school year! 🎒

Questions about anything insurance-related? Call me anytime at 925-474-3405.

👀 Living in a safe neighborhood can actually impact your insurance rates! Factors like crime rates, fire station proximi...
08/17/2026

👀 Living in a safe neighborhood can actually impact your insurance rates! Factors like crime rates, fire station proximity, and community watch programs all play a role. Ask us how your neighborhood affects your premium! 🏡🏘️

"Can you send me a certificate?"If you do work for other businesses, a general contractor, a property manager, or a city...
08/16/2026

"Can you send me a certificate?"

If you do work for other businesses, a general contractor, a property manager, or a city, you've heard it. And most owners send the request straight to their agent without knowing what's actually being asked for. Here's the plain-English version.

A Certificate of Insurance (COI) is proof, not coverage. It's a one-page snapshot of the policies you already have. It doesn't add anything, and it doesn't guarantee a claim gets paid.

Additional insured status DOES change coverage. When a client asks to be "named additional insured," you're extending your liability policy to protect them for work you perform. That requires an endorsement on your policy, not just a line on a certificate.

Waiver of subrogation means your carrier gives up the right to go after that client after paying a claim. Common on construction and workers' comp. Also an endorsement.

Three things I tell Tri-Valley owners:
1. Read the insurance section of the contract BEFORE you sign — limits, endorsements, and notice requirements live there.
2. Ask for certificates from every sub you hire, and keep them current.
3. A certificate you can't back up with real coverage is a lawsuit waiting to happen.

Need one today? We can usually turn certificates around same day.

📞 925-474-3405 | 855 Main St, Pleasanton | wallacewonginsurance.com

Address

855 Main Street, Suite 208
Pleasanton, CA
94566

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+19254743405

Website

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