Security for Your Home and Your Business
Protect Your Home and Your Business with the Right Coverage
At DHM Taxes & More, we help you protect what matters most: your home, your property, and your business.
We are not an insurance company. We act as advisors to help you compare options offered by authorized insurers and find the coverage that truly fits your needs and budget.
We work with multiple companies to offer you:
- Solid coverage tailored to your property
- Competitive options based on your state
- Clear explanation of deductibles and limits
- Personalized service in Spanish
Residential Insurance
Residential insurance protects your home’s structure and personal belongings against risks such as:
- Fires
- Theft
- Lightning
- Explosions
- Smoke damage
- Liability
Additionally, they can cover temporary housing expenses if your home becomes uninhabitable.
Types of home insurance
Homeowners insurance
Protects your home’s structure and your belongings. Includes coverage for fires, storms, theft, and accidental damage. Also covers liability if someone is injured on your property and temporary housing expenses if your home becomes uninhabitable.
Renters insurance
Protects your personal belongings and liability. Ideal if you rent an apartment or house. Covers furniture, clothing, electronics, and other personal items against theft or fire, plus potential damages you may accidentally cause to third parties or the rented property.
Condo insurance
Specific coverage for interior units and belongings. Protects interior improvements, finishes, appliances, and personal contents within the apartment. Complements the building’s policy, which generally only covers common areas and exterior structure.
What does home insurance cover?
- Home structure
- Contents (furniture, electronics, clothing)
- Liability
- Additional living expenses
- Flood coverage options (additional insurance)
How to get cheap home insurance?
Increase deductible
Install security systems
Bundle policies
Compare insurers
We do that comparison for you.
How much does home insurance cost?
The price depends on:
- Location
- Size and type of construction
- Roof age
- Deductible level
- Claims history
Depending on the state, premiums can vary significantly, which is why it’s key to compare multiple companies
Companies we work with (Residential)
We quote with recognized insurers to offer you better coverage and pricing options in Florida and Kentucky:
We work for you, not for a single company. We compare multiple options to get the best policy for your profile.
Available Commercial Insurers
We work with companies specialized in commercial insurance.
We compare coverage and adjust your policy according to your business’s actual risk.
Commercial Insurance
If you have a business, you need adequate protection against operational and legal risks.
Commercial insurance can include:
- Commercial property
- General liability
- Commercial auto
- Workers' compensation
- Cyber liability
Commercial Property Insurance
Protects your company’s physical assets and prevents unexpected financial losses.
Covers:
- Fires and explosions
- Storms and natural disaster damage
- Theft and vandalism
- Structural damage to the building
- Equipment, furniture, and inventory
Ideal for offices, stores, warehouses, and commercial locations. You can choose between replacement cost or actual cash value coverage, depending on your financial strategy.
General Liability Insurance
Protects your business against third-party claims for injuries or property damage occurring on your premises or resulting from your operations.
Includes coverage for:
- Customer accidents at your location
- Damage to third-party property
- Legal expenses and court defense
- Advertising or reputational damages (depending on policy)
It is essential coverage for retail businesses, restaurants, contractors, beauty salons, and professional offices.
Workers' Compensation
Many businesses are required to have this policy depending on the number of employees and type of industry.
Protects your employees and your company by covering:
- Medical expenses for work-related injuries
- Lost wages
- Rehabilitation
- Protection against lawsuits related to workplace accidents
Estimated average cost: from $45 monthly (varies by industry, risk, and payroll).
Cyber Liability Insurance
Protects your business against cyberattacks, data theft, and digital fraud.
Includes coverage for:
- Data breaches
- System recovery
- Notification to affected customers
- Legal defense
- Business interruption losses
Commercial Auto Insurance
Necessary if your company uses vehicles to operate, transport goods, or visit clients.
Covers:
- Accidents
- Damage to third parties
- Collisions
- Liability
- Work vehicles or fleets
You can adjust deductibles and coverage limits to find an affordable option suited to your business activity.
Companies we work with (Commercial)
Why choose DHM for your residential and commercial insurance?
- Physical office
- Service in Spanish
- Comparison among multiple companies
- Personalized plans
- Clear guidance with no fine print
- Ongoing claims support
- Wide variety of services
Frequently Asked Questions about Auto Insurance
1 How much does home insurance cost?
The cost of home insurance depends on factors such as property size, year of construction, location, and coverage level chosen. In Florida, for example, premiums tend to be higher due to hurricane and weather event risk. On average, the price can vary considerably, so it is advisable to request a personalized quote to obtain an accurate estimate.
2 How much does renters insurance cost?
Renters insurance is usually affordable and accessible. The price depends on the value of your belongings, location, and coverage level, but in many cases it can start from low monthly premiums. It is a key option to protect your belongings against theft, fire, or other unforeseen events. Additionally, some policies include liability coverage in case of damage to third parties.
3 Is commercial insurance mandatory?
It depends on the type of business and state regulations. For example, workers’ compensation insurance may be mandatory if you have employees. Additionally, some commercial contracts or leases may also require certain types of coverage. Having adequate insurance also protects your business against lawsuits and financial losses.
4 What is the best home insurance?
The best home insurance will depend on factors such as your location, type of home, property value, and coverage needs. The most advisable approach is to compare different insurers to find the best combination of price, protection, and benefits. It is also important to review deductibles, exclusions, and coverage limits before making a decision.
Ready to get started? Contact us today
Our team is ready to help you find the best solutions in taxes, insurance, and professional services. Contact us and receive personalized guidance.