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

  • 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

How to get extra savings.

We want to help you save money on Home Insurance. Aside from the low rates we already offer, you can get your premium down even more with a few tips.

  • Bundle your home and auto insurance

  • Install smoke alarms and burglar alarms

  • Gated community

  • Higher deductibles

  • Maintaining roof and plumbing