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Can't find coverage for your California home?

We're a local insurance broker who can help you find homeowners insurance solutions when traditional insurance companies can't help.

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Insurance Options

How We Can Help

There are very few standard options for homeowners insurance in California, and our goal is to canvas the market to find you the best coverage available. We're registered with the FAIR plan to obtain a FAIR plan quote for you, and we can also help you find a Difference in Conditions (DIC) policy if needed.

Free Insurance Review

We'll provide you with a free review of your situation, with no obligation to purchase anything.

Market Research

We'll make sure we have checked the traditional insurance market for options.

FAIR Plan & DIC Policy

If no standard options exist, we can help you obtain a quote from the FAIR plan and find a Difference in Conditions (DIC) policy.

FAIR Plan

  • The FAIR Plan offers a temporary solution customers in high-risk or wildfire-prone areas when traditioanl insurers aren't willing to provide insurance coverage.
  • Coverage is only provided for fire & lightning, smoke, and internal exlplosions.
  • The FAIR Plan is not a state agency but rather is a pool of insurers licensed to conduct business in California.

DIC Policy

  • DIC policies are designed to fill gaps left by FAIR Plan policies.
  • Often covers flood, earthquake, or other excluded perils.
  • Unlike the FAIR plan, DIC insurers are not a pool created by law, but rather individual insurers who have designed their coverage to specifically work well with FAIR plan policies.

Frequently Asked Questions

A FAIR Plan is a state-supported option for homeowners who struggle to get coverage in the private market—often due to high wildfire risk or other factors. Standard policies generally cover a wider range of perils, but a FAIR Plan can be a lifeline if you’ve been denied coverage elsewhere.

Yes, often you do. A FAIR Plan provides more limited coverage. A DIC (Differences in Conditions) policy can fill coverage gaps—especially for perils not included in the FAIR Plan, such as earthquake or flood.

FAIR Plans typically cater to homeowners who’ve been denied coverage by private insurers due to location or property characteristics. These plans exist so nearly all Californians can secure basic property insurance.

Yes. FAIR Plans often come with lower limits and more exclusions. A DIC policy bridges those gaps by covering perils excluded by the FAIR Plan (like flood or earthquake). Always review each policy’s terms to ensure comprehensive coverage.

Glacier Point Insurance Services, Inc. is a licensed insurance broker in California, helping homeowners obtain coverage when traditional insurers may not offer suitable options. Whether it’s a FAIR Plan, DIC Policy, or a standard homeowners plan, our advisors guide you through available solutions to keep your home protected.