Difference in Conditions


The FAIR Plan Dwelling Fire Policy does not include coverage for many common and important causes of loss that are typically included in a standard homeowners policy, such as theft, water damage and liability.

The FAIR Plan Dwelling Fire Policy does not include coverages for many common and important causes of loss that are typically include in a standard homeowners policy, such as theft, water damage and liability.

To supplement a FAIR Plan Dwelling policy, a Difference in Conditions (DIC) policy, sometimes called a companion policy, should be considered. The FAIR Plan does not offer DIC policies. Brokers are the best source of information about this important supplemental coverage.

The Department of Insurance maintains a list of companies that offer DIC policies. That list can be found here.

The illustration below is intended as an overview only. Please read the applicable forms for complete terms, including definitions, conditions and exclusions.