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.


    • 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
    • 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