If you are a California homeowner located in a fire zone, a brush area, or a high-risk wildfire area, then you probably already know that finding home insurance has become increasingly difficult. Non-renewals, cancellations, and rate increases are becoming a normal occurrence in California. If you are reading this now, you are in good hands as we are very experienced in dealing with homes in these areas and can insure any home regardless of the fire risk.

California Fire Plans And DIC Wrap Policy Coverages

Sometimes, fire plans are one policy, but sometimes they require two separate policies that cover separate things, and coverage does not overlap. When these two policies are paired together, it is similar to having a normal homeowners policy that you would purchase if you didn’t live in a fire zone.

Fire Plans usually cover:

• Fire
• Wind
• Hail
• Malicious Mischief
• Vandalism

When getting coverage, it is best to get with a broker, like us, who can make sure your house and you are insured properly.

DIC Wrap-Around

The DIC, Difference In Conditions, or Wrap-Around policy is a type of insurance coverage that is paired with the a policy if it only offers fire coverage.

The DIC covers:

• Water Damage
• Liability
• Falling Objects
• Theft
• And a lot of other perils that the Fair Plan doesn’t cover

Here at Unity One Insurance, we have lots of different markets for DIC and can usually offer multi-policy discounts that help save you money on premiums. For more information on the DIC/Wrap policy, click here!

Frequently Asked Questions About Both Policies

Question: What are lenders requirements when it comes to insurance?

Answer: Most lenders require fire, wind, and hail coverage.

Question: Do you sell policies for primary homes only? Or what about my rental properties?

Answer: We sell all lines of insurance. We can insure homes, condos, rental properties, secondary homes, vacant homes, short-term vacation rentals like Airbnb, commercial buildings, and townhomes.

Question: What if I want to shop out my insurance again?

Answer: That is another benefit of being insured with us. We are constantly searching the market for good insurance carriers that insure in these high-risk fire areas. Contact us, and we can re-shop the market for you whenever you want!

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!