Difference in Conditions (DIC) for wildfire exposed risks.

Difference in Conditions (DIC) Highlights

  • DIC-endorsed HO-3 policies available for primary residence
  • DIC-endorsed DP-3 policies available for secondary, tenant and vacation rental properties
  • Personal liability limits up to $500,000
  • Dwelling values up to $800,000
  • Numerous discounts available including auto insurance, multi-policy and loyalty credits
  • Complements the coverage provided by your client’s California FAIR Plan or equivalent policy

Individual product coverage, limitations and exclusions may vary by state.  Not all products available in all states.

Product Innovation

  • Aegis General’s integrated dwelling valuation tool for single-family homes helps clients get just the right amount of coverage for their homes. A full dwelling valuation report is provided at binding.
  • Real-time data integration throughout the quote process provides accurate wildfire hazard, roof exposure and loss experience assessments.
  • Point-of-sale underwriting alerts advise of additional items that may be needed at the time of policy issuance, reducing stress and eliminating post-bind underwriting surprises.
home with wildfire exposed risks

At Aegis General, we have DIC-endorsed HO-3 policies for your client’s primary home and DIC-endorsed DP-3 policies for secondary, tenant and vacation rental properties. Dwelling values up to $800,000 are available for all occupancies. All of our DIC-endorsed policies are available via our real-time online quoting and policy issuance platform, just like all of our other programs. The coverage in an Aegis Difference in Conditions (DIC) policy complements the fire and other perils provided by a California FAIR Plan or equivalent policy.

In the admitted marketplace, the California FAIR Plan provides insurance coverage for specific perils, including fire, when coverage is not otherwise available in the admitted marketplace. The FAIR Plan utilizes a Named Peril DP-1 policy form that provides coverage on an actual cash value (ACV) basis, with several options to enhance coverage to replacement cost, as well as to add more named perils. In addition to the coverage gaps that exist between a DP-1 and a typical HO-3 policy, the FAIR Plan also does not provide any Section II (personal liability) coverage options.

Experience the Aegis Difference!

difference in conditions infographic
fair plan icon


Fire, internal explosion & smoke (included).

fair plan extended icon


For an additional premium, extended coverage (windstorm, hail, explosion, riot or civil commotion, aircraft, vehicles, and volcanic eruption) and vandalism or malicious mischief may be added to the policy.

difference in conditions icon


Water damage, theft & liability. DIC insurance is designed to fill in gaps in insurance coverage. It provides expanded coverage for some perils that are not covered by the FAIR plan policy.

complete coverage with DIC


Automatically renews each year, no need to re-quote risk at every renewal.

© Aegis General Insurance Agency, Inc. | All Rights Reserved | CA License No. 0I66850 | National Producer No. 957388