Homes with a fire policy in force
Difference in conditions is written for one to four family dwellings and condominium units with fire coverage already in place, and fills covered non-fire gaps.
DIC Insurance in California
High value homes, covered where the fire policy stops. Start a quote in minutes and a licensed California broker shops the difference in conditions markets for you.
We shop the market for you, no broker fees
Eight relevant markets are shown for comparison. Availability depends on the risk and location, and a logo does not imply a direct appointment.
Green Shield
DIC excluding fire for high value homes
Aegis
Standalone California FAIR Plan companion DIC
QBE
Difference in conditions and specialty property
RLI
Specialty property and difference in conditions
ICW Group
California catastrophe property
AIG
High-value and catastrophe property
Palomar
Catastrophe property
GeoVera
Residential catastrophe property
What the DIC market writes in California
HO3 and HO6 forms, full ladders
Written on homeowners or condo forms with all other peril deductibles from twenty five hundred to fifty thousand dollars, med pay to ten thousand and liability up to one million depending on occupancy and market.
The home's construction decides the route
Construction type, mobile-home status, older wiring, fuse panels and galvanized plumbing affect the available program. The broker checks the systems against both current DIC markets before declining.
The gaps between policies
Water backup, animal liability, identity fraud expense and swimming pool liability options, plus vandalism, windstorm and hail, theft, personal injury and other non-fire protections.
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Quote and bind
We pick the best policy and get you covered.
The gap your fire policy leaves on purpose
A high value home insured through a fire-only policy still lacks ordinary homeowners protections such as liability, theft, water damage, vandalism and loss of use. This DIC form wraps around the fire policy to restore those non-fire protections.
Two policies, one covered house
DIC is designed to pair with an in force fire policy, not replace it, and it picks up the perils the fire policy excludes, including the ones nobody thinks about until the claim letter arrives.
Deductibles are the price dial
All other peril deductibles run from twenty five hundred to fifty thousand dollars, and choosing the dial is where a DIC policy becomes affordable for a high value home.
Claims history decides eligibility more than value
More than two water damage claims in five years, prior mold claims or liability suits end most quotes. The broker checks that history before the market does.
Written for California homes, including:
- High value homes with fire coverage in force
- One to four family dwellings
- Owner, tenant and seasonal occupancies
- Condominium units on the HO6 form
- Homes with updated systems
- Homes outside the highest hazard zones
What changes your premium
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
- Fire policy in force and its carrier
- Construction type and year built
- Prior water, mold or liability claims
- All other peril deductible chosen
- Swimming pool, animals and other liability exposures
Questions we get asked
What is DIC insurance?
Difference in conditions: a companion policy written alongside an in force fire policy to add homeowners protections such as liability, theft, water damage, vandalism, loss of use and other covered non-fire perils.
Do I need a fire policy first?
Yes. This program requires an in force fire insurance policy on the home, because DIC is the difference between conditions, not a replacement for the underlying coverage.
Is earthquake included?
Not under this companion DIC program. Earthquake and flood require separate coverage; this form wraps around the fire policy with the non-fire homeowners protections shown in the quote.
What makes a home ineligible?
An in force fire policy is required across the current DIC markets. Construction, mobile-home status, older systems and claims history affect the available program and are reviewed across both markets rather than treated as one universal decline list.
What deductible choices are there?
All other peril deductibles from twenty five hundred to fifty thousand dollars, which is the main control on the premium for a high value home.
Can you write this where my business is?
We are currently licensed in California only. Start a quote if the business or risk is in California, and we will confirm eligibility before you spend time on it.
What happens after I start a quote?
Tell us about the coverage you need and complete the application. We use those details to approach suitable markets and may ask follow-up questions. Requesting a quote does not put coverage in force.
Ready to compare your coverage options?
Start your application online, or talk with a licensed broker about your situation.