Because the FAIR Plan typically leaves out liability, theft, and several other coverages a homeowner usually wants. A DIC policy is designed to fill those gaps.
Related FAQs
Not always. The standard market changes over time. It is worth having an advisor check current options before assuming the FAIR Plan is the only path. ...
No. It is narrower, focused on fire. Many owners add a DIC policy to reach protection closer to a standard home policy.
We represent you, not the FAIR Plan. We help you understand the option, and we look at whether a FAIR Plan plus DIC structure fits your home. ...
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