Personal insurance
Difference in Conditions Insurance
Fill the gaps your primary home policy leaves open.
What it is
A difference in conditions (DIC) policy is written alongside a basic or state-plan homeowners policy to add protections the base policy leaves out, so you are not stuck with a stripped-down safety net.
Every policy is different, and exact coverage depends on the insurance company and the options you choose. We’ll walk you through the details before you buy.
What we can help you cover
- Adds perils and coverages missing from a basic dwelling policy
- Can include water damage, theft, liability and loss of use
- Useful where standard home insurance is hard to obtain
- Coordinated with your primary policy to avoid overlap
Quick quote
Start your quick quote
Answer a few questions in our home quick quote form. A Shadow Lake advisor reviews every request and follows up with you.
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FAQ
Frequently asked questions
What does Difference in Conditions Insurance typically cover?
A difference in conditions (DIC) policy is written alongside a basic or state-plan homeowners policy to add protections the base policy leaves out, so you are not stuck with a stripped-down safety net. Exact limits, deductibles and exclusions depend on the policy and the insurance company, so we review the details with you before you buy.
Do you only insure people in Raleigh or North Carolina?
Our office is in North Raleigh, and we work with neighbors across the Triangle every day. As an independent agency we also help clients nationwide when we have markets that fit.
How do I get a quote for difference in conditions coverage?
Start the quick quote form on this page, call or text our office, or request a quote online. An advisor reviews every request and follows up — usually within one business day.
Will you compare more than one insurance company?
Yes. Shadow Lake is an independent agency, so we shop multiple top-rated carriers for you instead of selling a single brand. Availability depends on the coverage, your location and underwriting.
Is flood damage included in a standard homeowners policy?
Usually not. Most homeowners and renters policies exclude flood. If you need flood coverage in North Carolina or elsewhere, we can help you look at separate flood options.
Can I bundle home and auto?
Often yes. Many households save time and may qualify for multi-policy discounts by placing home and auto with compatible carriers. We’ll tell you what options apply to your situation.
Difference in Conditions Insurance near you
Our office is on Six Forks Road in North Raleigh, and we help households and businesses across the Triangle and nationwide.