Protect your home and everything in it
Your home is your sanctuary and your biggest investment. We help homeowners across the Temecula Valley and North County find coverage that fits their home and their budget.
Homeowners Insurance: what it can cover
A homeowners policy typically protects:
Your home's structure
Repairs or rebuilding after covered losses like fire and smoke damage.
Personal belongings
Furniture, electronics, clothing and other possessions inside your home.
Wind & hail damage
Protection against damage from windstorms and hail.
Personal liability
Coverage if someone is injured on your property or you're found liable for damage.
Additional living expenses
Helps with costs if your home becomes uninhabitable after a covered loss.
Coverage, limits and exclusions vary by carrier and policy. We'll walk you through the details of any policy before you buy.
Why DeWitt Insurance
- Independent agencyWe aren't tied to one company — we compare multiple carriers to find coverage that fits.
- Serving California since 1978Decades of experience helping families and businesses choose the right protection.
- Local office1081 Borden Rd., Ste. 107 in Escondido, serving Temecula, the Temecula Valley and North County.
- A real person answersCall (760) 747-9596 Monday–Friday, 8:30 AM – 4:30 PM.
Common questions
What does a standard homeowners policy cover?
It typically covers your home's structure, your personal belongings, liability protection and additional living expenses if your home becomes uninhabitable.
How much coverage do I need?
Consider the cost to rebuild your home, the value of your belongings and your potential liability risks. We'll help you pick the right limits.
Can I customize my policy?
Yes. We'll compare options so your policy matches your home, your needs and your budget.
Does homeowners insurance cover floods?
Usually not — most standard homeowners policies exclude flood damage. Ask us about separate flood insurance.
Ready to compare your options?
Get a free, no-obligation quote — or call and talk it through with a real person.