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We're a California-based insurance broker, ready to guide you through today's challenging insurance market with decades of experience. Founded by an industry veteran who has advised some of the tech sector's largest companies, we leverage deep industry insight to secure the protection you need.

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Our Services

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 consider options in the traditional insurance market for options. We also have options available in the surplus lines market that may be an effective option before considering the FAIR plan.

FAIR Plan & DIC Policy

If no other options exist, we can help you obtain a quote from the FAIR plan and find a DIC policy to ensure you have the most coverage available.

Insurance Options

Standard, Surplus & FAIR Plan Options

If you’re having trouble finding a standard homeowners policy, we can help you explore California’s FAIR Plan option, surplus lines coverage, and Difference in Conditions (DIC) policies. By combining these strategies, we’ll ensure you have the most comprehensive protection possible— especially when the standard market falls short.

Delos Homeowners Insurance Program

  • Coverage: 1–4 family, owner-occupied homes (primary or secondary), up to $3M total insured value.
  • Policy Type: HO3 with open perils on dwellings and named perils on personal property.
  • Extra Options: Extended Replacement Cost, Water Backup, Equipment Breakdown, and more.
  • Payments & Claims: Easy electronic payments; claims managed by American Family.
  • Eligibility: Basic condition, occupancy, and claims guidelines apply. Contact us to see if you qualify.

FAIR Plan & DIC Policy

  • FAIR Plan: Helps homeowners in high-risk or wildfire-prone areas who can’t find standard coverage.
  • Limited Perils: FAIR Plan focuses on fire, smoke, and internal explosions. It’s run by private insurers in California (not a state agency).
  • DIC Policy: Fills gaps in FAIR Plan coverage, often adding perils like flood or earthquake.
  • Works in Tandem: DIC is specifically designed to sit on top of the FAIR Plan, broadening overall protection.
  • Complete Coverage: When no standard market exists, combining FAIR Plan & DIC ensures a more comprehensive solution for your home.

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 is a licensed insurance broker based 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.