Personal Insurance

Home Insurance

Home Is Where Life Happens. Protect It Well.
Your home holds more than walls and furniture — it holds memories, comfort, and security. At DHW, we design home insurance that understands what you value most and helps you recover when life throws the unexpected.

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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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Coverage Options Tailored to You

Your home and lifestyle are one-of-a-kind and your policy should be too. Our coverage goes beyond the basics to ensure full protection.
Flood Insurance

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

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

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.

Personal Liability

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.

Umbrella Coverage

Umbrella Coverage

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

Jewelry & Fine Arts

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’re not just a broker — we’re your advocate. DHW listens, assesses your risks, and crafts coverage around your life, not just your property. With Dedication, Heart & Wisdom, we protect your home, your loved ones, and everything in between.

Get your free quote today to know you’re covered, no matter what tomorrow brings.

We’re Here When You’re Ready

No jargon. No call centers. Just real people who care about protecting what matters most to you. Reach out today and see how DHW makes protection simple, personal, and clear.