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Difference in Conditions Insurance - Let us find your best coverage - fill the gaps around FAIR Plan and limited policies

A DIC policy wraps around a FAIR Plan or limited policy to add coverages it leaves out, like liability, theft and water damage. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Difference in Conditions (DIC) Quote Request

Applicant Information:

Have these handy

  • Property address and year built
  • Current homeowners declarations page
  • Mortgage lender details, if any
  • FAIR Plan declarations

Related coverage

Coverage details

What Difference in Conditions coverage includes

A DIC policy wraps around a FAIR Plan or limited policy to add coverages it leaves out, like liability, theft and water damage.

  • Liability - Personal liability not in the FAIR Plan.
  • Theft - Theft of belongings.
  • Water damage - Sudden water damage.
  • Additional living expense - Hotel and living costs while repairs are made, where included.
  • Earthquake / flood options - Available with some DIC forms.

Good to know: DIC plus FAIR Plan can come close to a full homeowners policy.

Not covered: fire, which stays with the FAIR Plan.

Insurance Application:

Difference in Conditions (DIC)

Required forms

Difference in Conditions (DIC) Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

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