Homeowners Catastrophe Insurance Trust

Homeowners Catastrophe Insurance Trust HCIT polciies are available exclusivly through Independent Insurance Agents in Washington, Idaho, Montana, Colorado, Utah, Nevada and New Mexico.

For over 40 years HCIT has been offering the best personal lines DIC policy on the market. Contact your local Independent Insurance Agent or search www.trustedchoice.com for an agent near you.

HCIT is a private Flood policy established in 1975 and serving the Independent Agent Community exclusively. HCIT is insu...
09/09/2022

HCIT is a private Flood policy established in 1975 and serving the Independent Agent Community exclusively. HCIT is insured 100% through Underwriters at Lloyd's, London and our coverage includes Flood, Earthquake, Mud and Landslide coverage and is a true DIC form. HCIT is the best solution for agents interested in reducing their E&O exposure by offering best in class catastrophe coverage. Come by our booth #19 on September 12th in the Rialto Ballroom at Suncadia Resort and see what sets HCIT apart from our competitors.

Did you know just 1 inch of water can come out to $21,000 in property damages not to mention the additional costs that o...
08/19/2022

Did you know just 1 inch of water can come out to $21,000 in property damages not to mention the additional costs that occur while your having to stay somewhere else while the house is being renovated. Make sure your clients understand the risks they’re taking on if they don’t have flood coverage and the peace of mind you can give them if they did have it.

Did you know your standard homeowners policy doesn’t include flood damage from a storm? You need a separate insurance fo...
08/15/2022

Did you know your standard homeowners policy doesn’t include flood damage from a storm? You need a separate insurance for flooding in case of a hurricane, rain squall, snow pack runoff, etc.

Natural disasters can happen anywhere, anytime. Make sure you’re prepared.

“YELLOWSTONE NATIONAL PARK Visitors in the northern part of Yellowstone National Park are being evacuated and all entran...
06/13/2022

“YELLOWSTONE NATIONAL PARK Visitors in the northern part of Yellowstone National Park are being evacuated and all entrances into the park are closed due to substantial flooding, rockslides and extremely hazardous conditions.

The power is out throughout the park following "unprecedented" amounts of rainfall and flooding, according to a news release.

Effective immediately, no inbound visitor traffic will be allowed into the park until conditions stabilize and the park can assess damage to roads and bridges and other facilities. This includes visitors with lodging and camping reservations," the release says.” See the full article at https://www.ksl.com/article/50422271/all-yellowstone-national-park-entrances-closed-following-unprecedented-rainfall (or click the link in the story)

04/04/2022

When you talk to your insureds about their homeowner's policy, do you mention that natural catastrophes claims for damages caused by Flood, Earthquakes, or Landslides to their home aren't covered?

If your insureds are located in Washington, you'll want to pay special attention to the Nooksack River. Storms in November 2021 caused two rounds of flooding on the river, which displaced 500+ Whatcom County residents and 14,000 people in Canada. Damage in Whatcom County has topped $150 million and totaled billions across British Columbia. According to the IIABW, U.S. and Canadian government leaders have agreed to work together to address flooding near the NW Washington state border with Canada on the Nooksack River.

Floods can happen anytime, anywhere. It’s normal around this time of year to get a lot of flash floods. It’s important t...
03/22/2022

Floods can happen anytime, anywhere. It’s normal around this time of year to get a lot of flash floods. It’s important to have a plan when living in or visiting areas where floods occur and to most importantly stay safe.

02/16/2022

When you talk to your insureds about their new homeowner's policy, do you mention that natural catastrophes like Flood and Earthquake coverage are not covered losses? If you don’t want an E&O claim, you must keep that in mind.

As Hurricane Ida came rolling in, everyone stopped to watch. High winds and flooding created massive issues for locals a...
09/02/2021

As Hurricane Ida came rolling in, everyone stopped to watch. High winds and flooding created massive issues for locals and those visiting. Some were lucky enough to be able to evacuate but that’s not the case for everyone. The destruction that has occurred is devastating. Today I was reading through article on ida touches on some important factors people should keep in mind before traveling back to their homes.

1. Don't go home until it's truly safe!
Just because the hurricane is over doesn't mean it's safe to drive. Residents should "return home only when local officials say it is safe to do so," the Federal Emergency Management Agency says.
2. Use extreme caution when you get home.
3. Minimize the risk of electrocution.
4. Photograph the damage and seek help if needed.
5. Clean safely and beware of mold.

You can find the full article or at https://tinyurl.com/8u9fd79v

Curious what sets us apart from a government policy like NFIP? Here’s a quick sheet that highlights why HCIT is a better...
08/26/2021

Curious what sets us apart from a government policy like NFIP? Here’s a quick sheet that highlights why HCIT is a better option for your insureds looking for flood insurance.

Utah is no exception to the rule. Yes, we still have flash floods and major flooding that happens. Look at some of the p...
08/04/2021

Utah is no exception to the rule. Yes, we still have flash floods and major flooding that happens. Look at some of the photos taken recently from all the rain fall. Floods can happen anytime, anywhere. Mother Nature doesn’t think about if you have or haven’t thought about flood coverage. Talk to your agent today about flood coverage & how HCIT can help give you peace of mind protection. Because life happens.

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Millcreek, UT

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