Home insurance in california

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Throughout California, from the northern hills to the southern beaches, owning a home is something Californians have always strived for. A safe and secure place to envelop yourself in for relaxation and peace; a place to call your own. At the same time, you want to be a responsible homeowners, and that means making sure to have the right homeowners insurance in place to protect you, your family, visitors, and your hard-earned investment. This is where DDH Insurance can help! With our local knowledge, experience and expertise, we can make sure you have all that you need, and all within your budget.

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Frequently Asked Questions
about Home Insurance in California

Are all Homeowners Insurance Coverages the Same?

While it may seem like all agencies offer one basic homeowners’ policy that will cover your needs, that is certainly not the case. Your home insurance premiums will depend on the range and amounts of coverage needed for personal liability, theft, water issues, sewage, earthquake, storms, and more.

Your home insurance policy will also depend on the value of your home, the dwelling itself, what neighborhood and even what street it’s located. Insurers may also take into account the age of the home, if work is being conducted from the home, and more.

How Can I Save Money on California Home Insurance?

There’s no one set price for home insurance, nor a one-size-fits-all policy. However, no matter what home insurance policy you choose, there are many ways to save money on your premiums. A few examples of this are:

  • Bundling policies
  • Having protective devices, such as smoke detectors, fire alarms, burglar alarms, etc.
  • Having a claim-free history
  • Home renovation credit
  • Roof rating; status/age of roof

Why Buy a Homeowners Policy from DDH Insurance?

Homeowners insurance may seem mind-boggling, but at DDH Insurance, we take that stress from you by sitting down and reviewing everything together. Our packages can contain identity theft, newly acquired belongings, and can be bundled with others such as personal property to save you money on your California homeowners insurance policy.

In all events, DDH Insurance has what you need. Whether you own your home or are renting and need renters’ insurance, we’ve got your back.

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