Bringing Dedication, Heart, and Wisdom into home ownership.

Buying a home is one of the most important financial decisions you will ever make. Your home is much more than bricks, wood, and windows: it’s where you begin and end your day, and where you will make memories for years to come. Owning a home can be extremely rewarding—but it also comes with its own unique risks. Consider the following: 

• Property damage is the most common homeowners insurance claim. In 2017, property damage constituted more than 98 percent of insurance claims (including theft).
• A 2019 study found that 4.5 million homes in the U.S. were at risk for wildfire damage. More than 2 million are located in California alone.
• Average homeowners losses totaled $15,091 in property damage and liability from 2017-2021. 

Damage to your home and belongings can have long-lasting repercussions. Homeowners insurance is not just about protecting the physical structure of your home. Along with your possessions, you want to make sure that your loved ones are equally as protected. 

What does homeowners insurance cover? With the right policy, it can cover much more than you think. See why the types of homeowners insurance offered at DHW are designed to give you ultimate peace of mind: 

Complete market coverage—Our homeowners insurance programs cover the entire marketplace, leaving no stone unturned as we look for your own personal best-coverage option.

Flood insurance—If your home is located in lowlands, floodplains, or in the middle of a floodway, your homeowners insurance policy must include flood insurance. If your home suffers damage from flooding, you need the peace of mind that your homeowners flood insurance policy will cover your losses. 

Fire coverage—Fires can be devastating, no matter where they occur. House fires are much more common than you might think: there are over 358,000 each year. Are you financially prepared to rebuild your home, or will you be responsible to cover damages on your own? If a fire does occur, finances are the last thing you should worry about. 

And don’t forget all the additional costs afterwards: the best homeowners insurance for fire coverage should include not only damage to property, but also additional living expenses while you rebuild.

Earthquake insurance—California has hundreds of faults, and homeowners can expect two to three earthquakes each year. Having earthquake coverage is simply part of the deal if you live on the West Coast. Keep your home safe from the inevitable with a solid earthquake provision on your homeowners insurance.

Umbrella homeowners insurance—An umbrella homeowners insurance policy provides extra peace of mind by extending your coverage to account for additional risk. Your home is your greatest asset—but it could be at risk if injuries, property damage, or lawsuits come into play. Our homeowners insurance experts can assess your risk and determine whether you are a candidate for umbrella coverage. 

Personal liability homeowners insurance—Part of the risk that you incur as a homeowner comes from any bodily injury or property damage that you or anyone else in your household may incur. If your child accidentally hits a baseball through a window and breaks your neighbor’s chandelier, or if someone trips and falls on your driveway, you’ll be glad you have personal liability homeowners insurance. 

Jewelry—There’s no denying that fine jewelry has monetary value; but for many homeowners, jewelry holds significant sentimental value, too. Unfortunately, standard policies typically have low liability limits, which often do not cover the cost of high-end jewelry. We’ll help you understand how to keep your valuables safe by selecting the best homeowners insurance policy for your needs.

Fine arts—Many homeowners assume that their policy includes coverage for fine artwork, only to discover—too late—that their exclusions barred them from reimbursement for damage or theft. Protect the value of your art collection with a fine arts policy in your homeowners insurance.