Difference in Conditions (DIC) Endorsement

Offered by Pacific Specialty Insurance Company

Difference In Condition


Who Should Apply:
Anyone who doesn’t qualify for an H0-3, DP-2 or Mobile Home policy because of brush, forested areas, protection classes 9 or 10 or proximity to brush….

  • Dwelling located in or near brush areas, forested areas, or any areas of increased fire hazard (native brush must be cleared 500 feet from the premises).

  • H0-3, Maufactured and DP-3 policy dwellings with a Fireline score higher than 3 and/or located in Protection Class 9 or 10 are unacceptable, unless DIC is applied and all of the following conditions exist:

    • A California FAIR Plan or equivalent policy is concurrently in-force for the same premises.


Has Pen

Appointment Required

Carrier Information


Rating A- (Excellent)

Rating By AM Best

Offered By

Pacific Specialty Insurance Company

10 listings in 16 states

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Availability 1 state

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming


Not Covered

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