Personal Insurance

Home Insurance

Your home is more than a structure—it’s your sanctuary. DHW makes homeowners insurance simple, protective, and tailored to your unique lifestyle and risks.

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Why Homeowners Insurance Matters in California

Your home is one of your biggest investments—and it’s exposed to real threats. From wildfires and earthquakes to property damage and theft, California homeowners face substantial risks. In fact, over 4.5 million homes in the U.S. are at risk for wildfire, with 2 million in California alone. The average loss from property damage or liability can exceed $15,000. With the right coverage, you protect not only your house and belongings but also your peace of mind.

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Flood Insurance

Homes in lowlands or floodplains need more than standard coverage. We offer flood insurance that helps cover repairs and replacements when water strikes unexpectedly.

Fire Coverage

Fires happen more often than you think. With over 358,000 house fires reported yearly, our policies make sure you’re covered—both for property damage and temporary living costs while you rebuild.

Earthquake Insurance

Living in California means living with earthquakes. We offer solid earthquake protection so you’re not left footing the bill after the ground shakes.ts depreciated value.

Umbrella Coverage

Extra peace of mind when you need it most. Umbrella homeowners insurance provides extended protection for liability claims and unexpected legal issues.

Personal Liability

Accidents happen—like a guest slipping on your walkway or your child damaging a neighbor’s property. Personal liability insurance protects you from the unexpected.

Jewelry & Fine Arts

Whether it’s a wedding ring or a valuable painting, your treasured items deserve special coverage. We help protect what standard policies often don’t.

Protection for Every Home

DHW homeowners insurance helps safeguard you from:
✔ Fire & smoke damage
✔ Floods & natural disasters
✔ Theft & vandalism
✔ Property damage & liability claims

Why Choose DHW?

We go beyond insurance—we become your partner in protection. Our team listens, evaluates your needs, and crafts a policy built around you. With Dedication, Heart, and Wisdom, DHW helps you protect your home and everyone in it. Get a free quote today and feel confident in your coverage.