Not exactly. A DIC policy can include earthquake and flood, but it is a broader form that adds several excluded perils, and its terms may differ from a standalone earthquake or NFIP flood policy.
Related FAQs
Yes. Commercial, habitational, and higher-value property owners frequently use DIC to build earthquake, flood, and other catastrophe coverage around their property.
No. It works alongside your primary policy or a FAIR Plan policy, filling the gaps rather than replacing the base coverage.
Often yes. The FAIR Plan is primarily fire coverage, so a DIC policy is commonly added to restore liability, theft, water damage, and other protections a standard policy would ...
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