A difference in conditions policy (DIC) provides additional and complementary protection. It is commonly used in property assurance and focuses on covering risks that are not included or are limited in the standard insurance policy.

For example, it may provide customized coverage for events such as earthquakes, floods, water damage, acts of terrorism, or any other peril.

Difference in conditions insurance is often utilized in conjunction with the California FAIR Plan Association to give comprehensive protection. They are used to fill gaps and provide a broader and more comprehensive level of security.

It is important to note that it does not replace the primary policy but acts as an additional layer of insurance coverage.