FAIR Plan plus DIC, set up without gaps.
The California FAIR Plan is the state’s insurer of last resort for fire when admitted carriers won’t write your home. A difference-in-conditions (DIC) policy covers most of what it leaves out, such as liability, theft and water damage. Two policies from two insurers, coordinated by one broker.
Quick answer Alishahi Insurance, Sam Alishahi's independent brokerage in Beverly Hills (CA License #4348151), quotes difference-in-conditions (DIC) policies from admitted and surplus lines insurers to pair with the California FAIR Plan, which does not sell DIC itself.
- The California FAIR Plan is the state's insurer of last resort for fire when admitted carriers won't write a home.
- The California FAIR Plan covers fire or lightning, internal explosion and smoke, with optional add-ons, up to $3 million of dwelling coverage for a residential property.
- A difference-in-conditions (DIC) policy typically adds personal liability, theft, water damage, and broader coverage for belongings and additional living expenses to a FAIR Plan policy.
- The FAIR Plan and a DIC policy have separate premiums, deductibles and renewal dates, so a broker should set them up together and line the dates up.
- Alishahi Insurance sets up the FAIR Plan and a DIC policy together from its Beverly Hills office for homes across Los Angeles County.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
- Who sells a DIC policy to pair with the FAIR Plan in Los Angeles? Independent brokers such as Alishahi Insurance (Beverly Hills, CA License #4348151) quote DIC from admitted and surplus lines insurers; the FAIR Plan itself does not sell one.
- The FAIR Plan covers fire or lightning, internal explosion and smoke, with optional add-ons, up to $3 million of dwelling coverage for a residential property.
- A DIC policy typically adds personal liability, theft, water damage, and broader coverage for belongings and additional living expenses.
- The two policies have separate premiums, deductibles and renewal dates, so a broker should set them up together and line the dates up.
Two policies doing one job
The California FAIR Plan is the state’s insurer of last resort. It writes a basic, named-perils policy focused on fire, and it isn’t meant to replace a full homeowners policy on its own.
A difference-in-conditions policy is written to sit alongside it. Set up well, the pair comes close to a standard homeowners policy. Set up carelessly, it leaves gaps you find out about after a loss.
- FAIR PlanFire or lightning, internal explosion and smoke, with optional add-ons such as extended coverage and vandalism. Dwelling coverage up to $3 million for a residential property.
- DIC policyTypically personal liability, theft, water damage, and broader coverage for belongings and additional living expenses.
- Two sets of termsSeparate premiums, deductibles and renewal dates, which should be aligned.
- Your lenderNeeds evidence of insurance showing the dwelling coverage and the mortgagee clause correctly.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Current paperwork: declarations page and the non-renewal or cancellation notice, if you have one.
- The home: address, year built, square footage and construction type.
- Roof: material and the year it was replaced.
- Mitigation: dated photos or records of defensible space, vents and other upgrades.
- Rebuild cost: your best estimate, or the dwelling limit on your current policy.
- Mortgage: lender name and loan number for the mortgagee clause.
FAIR Plan and DIC, answered
What is a FAIR Plan wrap-around policy?
Wrap-around policy is another name for a difference in conditions (DIC) policy. It wraps around a California FAIR Plan fire policy to add coverage the FAIR Plan doesn’t include, such as personal liability, theft and water damage. The two policies together work much like a homeowners policy.
Does the FAIR Plan cover liability?
No. Personal liability isn’t part of a FAIR Plan dwelling policy, which is one of the main reasons to pair it with a DIC policy.
Will I be on the FAIR Plan permanently?
Not necessarily. Carrier appetite and your home’s mitigation both change. I shop the home again ahead of each renewal.
Does a DIC policy cover earthquake?
Not by default. Earthquake is generally a separate policy, whether your fire coverage comes from the FAIR Plan or a standard carrier.
Can a Los Angeles insurance broker set up the FAIR Plan and a DIC policy together?
Yes. A licensed broker can submit the FAIR Plan application and quote a DIC policy from other insurers at the same time, so the effective dates and limits line up. Alishahi Insurance does this from its Beverly Hills office for homes across Los Angeles County.
How do I apply?
Applications are usually submitted through a licensed broker or agent. I prepare the FAIR Plan application and the DIC policy together so the terms line up.
Send the notice the day it arrives.
The more time before your expiration date, the more markets I can try before we settle on the FAIR Plan.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.