Our Services

Complete Home Protection Built Around Your Needs

At DMR Insurance, we understand that every home is unique and deserves tailored protection. Our comprehensive home insurance services are designed to safeguard your property, belongings, and financial future against life's unexpected events.

Whether you're a first-time homeowner or looking to upgrade your current coverage, we offer flexible policies that adapt to your lifestyle and budget. Our team works directly with you to identify risks and create a coverage plan that provides real peace of mind.

24/7

Claims Support

100%

Coverage Transparency

Fast

Quote Process

Local

Expert Team

Dwelling Protection

Your home is likely your largest investment. Our dwelling coverage ensures that the physical structure of your house is protected against covered perils like fire, wind, hail, and more. We help you determine the right coverage amount based on your home's rebuilding cost, not its market value.

Coverage for structural damage from fire, storms, and natural disasters

Protection for attached structures like garages and decks

Rebuilding cost assessment to ensure adequate coverage

Optional extended replacement cost coverage

Belongings Coverage

Everything inside your home deserves protection. Our personal property coverage safeguards your furniture, electronics, clothing, appliances, and other possessions against theft, fire, and damage. We make it simple to understand what's covered and help you document your valuables.

Protection for all personal items inside your home

Coverage for theft and vandalism

Special limits for high-value items like jewelry and electronics

Off-premises coverage for items damaged away from home

Liability Protection

Accidents happen, and when they occur on your property, you need protection. Our liability coverage helps pay for medical expenses, legal fees, and damages if someone is injured on your property or if you accidentally damage someone else's property. It's essential protection for every homeowner.

Medical payment coverage for guest injuries

Legal defense cost coverage for lawsuits

Protection against property damage claims

Coverage limits tailored to your risk profile

Additional Living Expenses

If your home becomes uninhabitable due to a covered loss, you shouldn't have to worry about where you'll stay or how you'll pay for it. Our additional living expenses coverage helps pay for temporary housing, meals, and other increased costs while your home is being repaired or rebuilt.

Hotel and rental accommodation costs

Increased food and meal expenses

Storage fees for your belongings

Coverage for the time needed to restore your home

How Our Coverage Works

Getting protected is simple and straightforward. Here's how we guide you through the process from your first inquiry to complete peace of mind.

Tell Us About Your Home

Share basic details about your property, including location, size, age, and any unique features. This helps us understand your coverage needs and provide an accurate quote.

Review Your Custom Quote

We'll present coverage options tailored to your home and budget. Our team explains each component clearly so you understand exactly what you're getting and why it matters.

Customize Your Policy

Adjust coverage limits, deductibles, and add optional protections based on your priorities. We help you find the right balance between comprehensive coverage and affordable premiums.

Finalize and Activate

Once you're satisfied with your policy, we handle all the paperwork and activate your coverage. You'll receive complete documentation and have direct access to our support team anytime.

Enjoy Peace of Mind

Your home is now protected. We stay in touch, review your coverage annually, and remain available whenever you need assistance or have questions about your policy.