Personal Insurance

Recreational Insurance

Accidents happen outside—DHW ensures you’re covered wherever your adventures take you. Our recreational insurance is designed to protect your family, your equipment, and your peace of mind.

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Why Recreational Insurance Matters

Outdoor recreation brings joy—and risk. Whether you’re riding ATVs, camping in an RV, or cruising on a jet ski, accidents can happen when you least expect them. Recreational vehicles are costly to replace and often not included in standard auto policies. With over 40 million Americans hitting the road in RVs each year and rising ATV incidents in California, getting the right coverage is more important than ever. DHW helps protect your investments and your loved ones.

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Jet Ski Insurance

Jet skis are fun—but fast-moving watercraft come with serious risks. Our coverage protects your jet ski from theft and damage, and shields you from liability if things go wrong near others or property.

Boat Insurance

From a small fishing boat to a luxury yacht, we’ve got you covered. DHW boat insurance safeguards your investment from loss, theft, damage, and liability—so you can enjoy the open water without worry.

RV Insurance

Whether it’s a travel trailer or a fifth-wheel camper, RVs need special coverage. DHW helps you plan for roadside repairs, loss, and unexpected damage—so you can focus on the journey, not the risks.

Motorcycle & Snowmobile Insurance

Whether two-wheeled or four, your rides deserve protection. From required motorcycle insurance to optional but wise snowmobile coverage, we’ll help keep riders and vehicles safe on every trail.

Golf Cart Insurance

Even low-speed vehicles need coverage. Our golf cart policies protect against liability, theft, and accidents—something most auto policies overlook entirely.

Protection for Every Adventure

DHW covers the most common outdoor mishaps, including:
✔ Theft and vandalism
✔ Accidents and collisions
✔ Liability claims
✔ Equipment replacement

Why Choose DHW?

At DHW, we don’t just sell policies—we partner with you to protect your lifestyle. Our team helps assess your needs, evaluate your risks, and craft personalized insurance plans that deliver confidence in every mile. With Dedication, Heart, and Wisdom, we help you explore the outdoors safely and securely. Ready to get started? Contact us for your free quote today!