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CA Licensed
Fast Turnaround
15+ Years Experience

Our Services

How We Can Help

At Glacier Point Insurance, we take a consultative approach to finding homeowners insurance in California's challenging market.

1
Free Property Assessment No Cost

We begin with a thorough review of your property and coverage needs to determine all available options, at absolutely no cost to you.

2
Traditional Markets

First, we explore standard insurance options where available for your property, looking for comprehensive coverage at competitive rates.

3
Specialized Solutions

We leverage our relationships with specialized carriers like Delos/Homesite and surplus lines markets that offer more flexibility for unique risks.

4
FAIR Plan + DIC

As a last resort, we can combine California FAIR Plan with a Difference in Conditions (DIC) policy to ensure you have the most comprehensive protection available.

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Learn more about our approach or schedule a free consultation

Insurance Options

Standard, Surplus & FAIR Plan Options

Today's California homeowners insurance market presents unique challenges, but Glacier Point Insurance offers multiple pathways to find you appropriate coverage. We canvas the entire market, including standard options, the Delos/Homesite program, and surplus lines carriers for specialized risks. As a registered broker with the California FAIR Plan, we can secure basic fire coverage when needed and pair it with a Difference in Conditions (DIC) policy for more comprehensive protection. For properties that qualify, we also offer specialized homeowners and landlord programs with coverage up to $5.4 million. Chat with our insurance assistant to learn more about our coverage options, begin the quote process, or schedule a consultation with one of our licensed advisors.

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.

Ready to Get Started?

Chat with our insurance assistant or call us today to find the right coverage for your California home.

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Common Questions

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.