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Homeowners Insurance

Protection starts at home

With a variety of homeowners coverage options, you can feel safe knowing your home and those who live there are protected when you insure with M&W Insurance. 

We Insure:

  • Homeowners and High Value Homes

  • Condo Unit Owners

  • Renters

The right coverage for you

When you choose M&W you’re not only getting one of California's most trusted insurance agencies, you’re also getting your own dedicated agent, who will work with you to create a custom plan just for you. And that’s important when you have so many coverage choices and options. Here are a few that we offer.

  • Dwelling Protection:
    Covers damage to your home due to fire, lightening, smoke, storm damage or other similar perils. Earthquake can also be written on a separate policy. 

  • Personal Property:
    Provides coverage for your household items in the event of a fire, theft or other covered loss.

  • Extended Replacement Cost:
    Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.

  • Additional Living Expenses:
    Provides coverage for living expenses if your home becomes uninhabitable as a result of a covered loss.

  • Personal Liability Protection:
    Pays for bodily injury or property damage caused to others as a result of a covered incident.

  • Guest Medical Protection:
    Pays medical expenses for your guests who are accidentally injured on your property.

  • Identity Theft Protection:
    Pays for expenses you incur as a result of criminal identity theft.

  • Additional personal property coverage for valuables, such as antiques, fine art and jewelry

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