The HO3 – DIC (Difference in Conditions) is an admitted lines HO3 policy with a Difference in Conditions endorsement, which offers coverage for perils like water, theft, liability, and other optional coverages. The HO3 – DIC is designed to supplement the California FAIR Plan or an equivalent policy to provide you with coverage similar to that in a comprehensive homeowner’s policy. The FAIR Plan does not offer a comprehensive homeowners policy.
Ask your insurance representative about any optional coverages you may need, such as protection for your primary, secondary, or seasonal homes, or those homes with short-term rentals. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.