Living in California comes with some major benefits of living close to the beaches, great weather, and options for many hobbies, but there are some downfalls – one of them being our high risk for wildfires. Homeowners throughout California that are in alleged fire areas already know the struggle of obtaining insurance. Sometimes the only option is getting fire insurance through the California Fair Plan and then pairing it with a DIC, Difference In Conditions or Wrap policy.
What Is A DIC Insurance Policy? How Much Does It Cost? What Does It Cover?
The California Fair Plan covers things like fire, wind, hail, vandalism, and malicious mischief, all very important, but what about all the other coverages? This is where the DIC or Difference In Conditions comes into play.
The DIC covers:
- Water damage
- Liability
- Falling objects
- Theft
- Weight of ice, snow, & sleet
- Freezing of pipes
- Medical payments
- & More
As a broker and agent, we have so many different markets for the DIC insurance coverages and have been able to save clients lots of money there. The DIC Wrap policies tend to be pretty inexpensive with great coverage. We can even bundle other policies such as your autos, umbrella, and other properties you may own with it for extra savings. The DIC Insurance is for any property occupancy whether that be your primary home, secondary home, rental property, short-term vacation rental, or a vacant home!
For those of you in escrow, we make the escrow-insurance process smooth, and handle it all for you, working directly with your lenders and realtors! We understand that escrow works quickly, but so do we!
Call now at 949-450-1822 or email info@unity1.com to get started on a free quote or a free review of your current policy. You can also click here to send a request for us to get a quote over to you! If you have any questions at all regarding the California Fair Plan or the DIC Wrap Around, browse around our site, or give us a call anytime!
