Your personal assets are NOT protected if you do business as a DBA. All the DBA certificate does is let people know who's behind the fictitious name that you created for your company. It does not provide you with any protection from the reach of creditors. You can only get that if you form a corporation, limited liability company, or other limited liability entity . . . AND maintain the annual records and formalities that the law requires of the entity. If you are concerned about protecting your home and personal assets (and if you're in business, you should be), speak to a business attorney.
Even if you're still in the planning stages for your new enterprise, it's never too soon to start thinking about these six operational issues that will impact and contribute to the success of your business.