Difference in Conditions (DIC)

What is Difference a in Conditions policy?

Difference in Conditions (DIC) insurance is a specialized policy designed to fill the gaps left by standard property or casualty insurance policies. As our agency is based in California, we commonly offer DIC policies, also referred to as "wrap-around" policies, to supplement the California FAIR Plan policy. This combination provides a comprehensive insurance solution for property owners facing unique risks.

What is the California FAIR Plan?
The California FAIR Plan provides basic property insurance for homeowners and businesses that are unable to obtain coverage through traditional insurance markets. However, the California FAIR Plan is limited in scope, often excluding coverage for perils like theft, liability, and certain types of water damage.

A wrap-around DIC policy bridges these gaps, offering expanded coverage that ensures your property is protected against risks not covered by the California FAIR Plan.

Key Features of a Wrap-Around DIC Policy:
  • Enhanced Protection: Covers risks excluded by the California FAIR Plan, such as liability, theft, and water damage.
  • Customizable Options: Tailored to meet the specific needs of your property.

Other Types of DIC Policies
In addition to the wrap-around DIC policy designed to complement the California FAIR Plan, there are other types of DIC policies that cover natural disasters such as:
  • Earthquake: Protection against damages caused by seismic activity.
  • Floods: Coverage for water damage from extreme weather or rising waters.
  • Windstorms: Safeguarding properties from severe wind-related damages.

These policies are typically written separately and provide targeted protection for high-risk scenarios. They are ideal for property owners in disaster-prone areas or those with high-value assets requiring specialized coverage.

Protect your property with a Difference in Conditions policy that complements your California FAIR Plan coverage or provides targeted protection against natural disasters.

Contact us today at (818) 322-4744 or request a consultation through our website to learn more.
(818) 322-4744​
17425 Chatsworth Street
Suite 204
Granada Hills, CA 91344​
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