Homeowners Catastrophe Insurance Trust 

HCIT is a private Flood policy established in 1975 and exclusively serves the Independent Agent Community. HCIT is insured 100% through Underwriters at Lloyd's, London and our coverage includes Flood, Earthquake, Mud, and Landslide coverage and a proper DIC form. HCIT is the best solution for agents interested in reducing their E&O exposure by offering best-in-class catastrophe coverage.

HCIT offers up to 2 Million in coverage, and we don't require elevation certificates or flood CE. There is a 5% and a 1% deductible (1% is if the mortgagee requests it). There is a ten-day waiting period but can be taken down to 5 days for a mortgagee closing, and the policy will automatically renew.

SUPERIOR COVERAGE 

• • Blanket coverage format
  • Other structures are covered
  • Replacement Cost on Dwelling & Other Structures
  • No coinsurance clause
  • No coverage restrictions in a basement
  • Earthquake and Landslide perils included
  • Broad definition of Flood
  • Additional Living Expenses coverage included
  • No sub limit on Debris Removal
  • NFIP parity guarantee
• WE MAKE IT EASY 

• • Be a member of IIANM
  • NO cumbersome QUOTING necessary 
  • Automatic renewals 
  • Elevation certificates not required 
  • Pay by Credit Card of Check or Mortgagee
  • Historically Stable Premiums

Ph: (800) 644-4334 I Email: hcit@trustcoinc.com 

Web: Trustcoinc.com/hcit I Follow us on social media @hcitprogram