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Homeowners Difference in Conditions

​​**This product can only be quoted and written through a Big I member. Click here to find an agent in your area.**

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 Lloyds, London, rated A (Excellent) by AM Best.

How to Apply

1. Complete the Application** (Policies may only be submitted by an insurance agent.)

If insured's mortgagee requires a 1% deductible, please use the following application & addendum:
Application - Mortgagee Required 1% Deductible

**Please download and open  the application in Adobe . If opened in a web page, any information you enter will not be saved. 

2. Submit completed application (and addendum) to:

Heidi Wiles


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


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