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.
Comparamos el mercado por usted, sin cargos de corredor
Green Shield
DIC excluding fire for high value homes
Aegis
Standalone California FAIR Plan companion DIC
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.
Cómo funciona
Formulario de 10 minutos
Unas preguntas sobre su empresa o su casa.
Comparamos el mercado
Comparamos aseguradoras y leemos los formularios línea por línea.
Cotizar y emitir
Elegimos la mejor póliza y le ayudamos a obtener cobertura.
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
Qué cambia su prima
No existe una tarifa fija para esta cobertura. Estos son los datos que la aseguradora usa para tarifar, y son los mismos que le pide el formulario de cotización.
- 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
Escríbanos. Estamos a su lado.
Preguntas que nos hacen
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.
¿Pueden colocar esta cobertura donde está mi negocio?
Actualmente solo tenemos licencia en California. Comience una cotización si el negocio o el riesgo se encuentra en California, y confirmaremos la elegibilidad antes de que invierta tiempo.
¿Qué pasa realmente después de comenzar una cotización?
Usted responde unas pocas preguntas y un corredor con licencia de Menlo las lee, clasifica su operación y la compara con las aseguradoras con las que tenemos nombramiento. No hay emisión instantánea ni caja negra. Habla con una persona antes de que se cotice nada.
Colóquela con alguien que lee la letra pequeña
Comience una cotización y un corredor con licencia sigue desde ahí, o hable con uno ahora.