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Homeowner's Difference In Conditions

Earthquake, Landslide, Flood

hcit.jpgPartnered with Homeowner's Catastrophe Insurance Trust, and offered through Trustco Inc., this program offers you the ability to sell the top home based Difference in Conditions insurance on the market. The program permits subscribing members to obtain affordable property protection against the losses associated with disasters such as earthquake, landslide and flood, which are not usually covered on homeowners’ policies.
 
HCIT has over forty years of experience underwriting earthquake landslide and flood business, and has the knowledge and professionalism to best serve you and your clients. HCIT coverage is placed through Lloyd’s, London, rated A (Excellent) by AM Best.

How to Apply

1. Complete the Application

Form.gifMontana HCIT Application

If insured's mortgagee requires a 1% deductible, please use the following application and addendum:

Form.gifMontana Application-1% Deductible.pdf

Form.gifAddendum.pdf

2. Submit completed application (and addendum) to:

heidiw@trustcoinc.com

Coverage

The HCIT program offers blanket limit coverage for the dwelling, contents and other structures.

No inspection of the premises is required.

The program offers a limit of up to 1 million with a 5% deductible.

Higher limits available upon request

10 day waiting period; can be waived to 5 for mortgage closing

NFIP equivalent to lending institutions even though we know coverage to be better

HCIT was established in 1975

Resources

Agent Q&A Brochure
Insured Q&A Brochure

Final HCIT 40th Anniversary Logo.jpg