Personal Insurance

Auto Insurance

We make auto insurance simple, reliable, and tailored to your needs. Having the right coverage means peace of mind every time you hit the road.

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Why Auto Insurance Matters in California.

California roads are busy, and accidents happen. With a fault-based insurance system, the driver responsible for an accident covers the costs. That’s why having the right policy is crucial—to protect yourself, your passengers, and your wallet. Millions of car accidents occur in the U.S. each year. California’s average annual insurance premium is around $1,713. Without the right coverage, a single accident could leave you with massive out-of-pocket expenses.

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Recreational Vehicle Insurance

Your RV, camper, or motorhome is your home on wheels. We cover everything from roadside assistance to vacation protection, ensuring your adventures stay worry-free.

Gap Insurance

Owe more on your car loan than your vehicle’s worth? If your car is totaled, gap insurance covers the difference, so you’re not stuck paying for a car you no longer have.

New Car Replacement

If your new car is totaled, we help cover the cost of replacing it with a brand-new one instead of just paying its depreciated value.

Collector u0026 Classic Car Insurance

Own a vintage or classic car? Standard policies don’t always cut it. We offer specialized coverage to protect your investment—whether it’s a weekend cruiser or a showpiece.

Protection for Every Drive

DHW ensures you’re covered against:
✔ Collision damage
✔ Weather-related incidents
✔ Vandalism & theft
✔ Liability for damage to others

Why Choose DHW?

We’re more than just an insurance provider—we’re your trusted partner. We take the time to understand your needs, customize your policy, and ensure you get the best protection at the right price.rnrnGet covered with Dedication, Heart, and Wisdom—the DHW way. Contact us today for a free quote and drive with confidence!