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Fill the Gaps. Cover the Exceptions. Protect the Unusual.
Property Condition & Supplemental Protection in San Diego & Chula Vista
Not all properties — or risks — fit neatly into a standard homeowners policy. Property Condition & Supplemental Protection Insurance offers targeted coverage for vacant homes, earthquake damage, and high-risk exposures like excess liability or difference in conditions (DIC). With over 25 years of experience, Preferred Property & Casualty helps California property owners protect what other policies don’t — with expert guidance and tailored solutions.
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What’s Covered
Essential Coverage for Non-Standard Property Risks
Vacant Home Insurance
Covers unoccupied homes against theft, vandalism, and weather-related damage — often excluded in standard homeowners policies.
Earthquake Insurance
Protects your property from seismic damage — an essential add-on for homeowners across California.
Difference in Conditions (DIC) Coverage
Fills gaps left by standard property policies, especially for flood, quake, and landslide risks not otherwise covered.
Excess Liability
Adds an extra layer of personal liability coverage — similar to umbrella insurance, but available in standalone or specialty formats.
Built for Properties With Elevated Risk or Unique Needs
Protection for Non-Occupied or At-Risk Homes
Whether your home is between tenants or exposed to natural hazards, we’ll help you stay covered when your standard policy won’t.
Coverage That Complements Your Primary Insurance
We design supplemental solutions that work alongside — not in place of — your existing coverage.
Local Insight. Strong Carriers. Smart Protection.
We understand regional risk factors like wildfires, earthquakes, and unoccupied property rules — and we tailor policies accordingly.
Common Questions
Is earthquake coverage included in my home policy?
No — you need a separate earthquake policy or endorsement. We’ll help you evaluate your risk and options.
What counts as a vacant home?
Generally, a home unoccupied for 30–60 days is considered vacant — and may not be covered without a special policy.
How is excess liability different from umbrella insurance?
They serve a similar purpose, but excess liability is often tied to a specific policy and may have different terms.
