Homeowner's Difference In Conditions
Earthquake, Landslide, Flood
Partnered 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.
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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