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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. 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.
How to Apply 1. Complete the Application Montana HCIT Application If insured's mortgagee requires a 1% deductible, please use the following application and addendum: Montana Application-1% Deductible.pdf Addendum.pdf 2. Submit completed application (and addendum) to: heidiw@trustcoinc.com Heidi Wiles 801-912-0605	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