Skip Ribbon Commands
Skip to main content

Earthquake, Landslide, Flood

**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 Lloyd’s, London, rated A (Excellent) by AM Best.

How to Apply

1. Complete the Application

Form.gif Montana HCIT Application

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

Form.gif Montana Application-1% Deductible.pdf

Form.gif Addendum.pdf

2. Submit completed application (and addendum) to:

Heidi Wiles 801-912-0605


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


Agent Q&A Brochure
Insured Q&A Brochure