Difference in Conditions Insurance

California possesses some of the most beautiful and picturesque landscapes in the world.  At time, those who have chosen to live in these areas are a great risk for Wildfires and Brushfires.  We have seen the devastation these fires continue to cause in our state.  For the Homeowners that live in the areas, this can create a confusing and frustrating experience when it comes to acquiring insurance.  Several insurance carriers have tightened up underwriting guidelines as it relates to Brush and Fireline areas.

Wildfires in California has been incredibly concerning as many wildfires have devastated properties and landscapes in our state.  Several insurance carriers have tightened up underwriting guidelines as it relates to Brush and Fireline areas.  As a result, acquiring insurance for Homes in these areas can be frustrating for homeowners who choose to live in areas of great beauty and nature.

As a solution, Beach Break Insurance Agency has been appointed with the California FAIR plan in order to provide insurance solutions to those in High Fire Risk areas.  A FAIR plan policy, combined with a Difference in Conditions policy provides a more comprehensive coverage option for our clients.

A Difference in Conditions policy (DIC) is often referred to as a companion policy.  It is written to provide coverage where the FAIR plan policies are leave off.  For example, the FAIR plan policy would cover damage as it relates to a fire, but what if there is water damage? Or a Liability claim?  This is where the DIC policy steps in.  Mortgage companies usually required both a FAIR plan and a DIC policy to comply with loan requirements.

We are here to offer any support or information we can to help.  Please do not hesitate to call, text 619-567-7227 with any questions you have.