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Menlo
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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

  • Green Shield

    DIC excluding fire for high value homes

  • GeoVera

    Residential earthquake and DIC

  • Palomar

    Personal earthquake DIC

  • Zurich

    CA earthquake program via Steadfast

  • QBE

    Earthquake DIC

  • Kinsale

    Hard to place earthquake

  • Markel

    Specialty homeowners

  • Starr

    Specialty dwelling risks

What the DIC market writes in California

High value homes with a fire policy in force

Difference in conditions is written for one and two family dwellings whose owners already carry fire coverage, and fills what that policy excludes.

HO3 and HO6 forms, full ladders

Written on the homeowners or condo form with all other peril deductibles from twenty five hundred to fifty thousand dollars, med pay to ten thousand and liability to five hundred thousand.

The home's construction decides eligibility

Earth and dome homes, mobile homes, knob and tube or aluminum wiring, fuses and galvanized plumbing are outside the program. The broker checks the systems before quoting.

The gaps between policies

Water backup, animal liability, identity fraud expense and swimming pool liability options, on top of the earthquake and flood perils the fire policy excludes.

How it works

  1. 10 minute form

    A few questions about your business or home.

  2. We shop the market

    We compare carriers and read the forms line by line.

  3. Pick the best policy

    We explain what is covered, what is not, and what it costs.

The gap your fire policy leaves on purpose

A high value home insured for fire still carries its biggest California risks uninsured: earthquake, and the flood that follows the fire that follows the quake. DIC exists to sit underneath the fire policy and catch what it drops.

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 and two 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

There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.

  • 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

Text us. We're by your side.

13:19
506

Menlo Agent

  1. Today, 9:41 AM
  2. Our lease for a second location starts September 1. Does our current policy cover it?
  3. Not automatically. Send me the address, square footage, operations, contents value, and move in date. I will ask the carrier to add it before you take possession.
  4. Sending the lease details now.

  5. Received. The location was added effective September 1. Your updated policy is ready.

    View updated policy

    menloinsurance.com

Questions we get asked

What is DIC insurance?

Difference in conditions: a policy written to sit alongside your fire policy and cover what that policy excludes, most importantly earthquake, plus water backup and other gaps for high value homes.

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?

Earthquake is the core peril the fire policy excludes and the DIC program exists to write, along with water backup and other named gaps.

What makes a home ineligible?

Earth and dome homes, mobile homes, knob and tube or aluminum wiring, fuse panels, galvanized plumbing, more than two water damage claims in five years, and prior mold or liability claim history.

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 licensed in California, Texas, Pennsylvania and New York, and applications in Ohio, North Carolina and Michigan are with those states now. We do not quote a state before its license is issued. Start a quote and we will tell you where you stand before you spend time on it.

What actually happens after I start a quote?

You answer a short set of questions, and a licensed broker at Menlo reads them, maps your operation to a class, and shops it with the carriers we are appointed with. There is no instant bind and no black box. You talk to a person before anything is quoted.

Get it placed by someone who reads the fine print

Start a quote and a licensed broker takes it from there, or talk to one now.

Talk to a licensed broker