Since 1975, the Homeowners Catastrophe Insurance Trust (HCIT) has been a trusted safety net for families across the West. Created by Trustco to provide protection against the perils most home insurance policies exclude—like earthquakes, floods, and landslides—HCIT offers peace of mind when it matters most. With nearly five decades of service and 100% backing by Certain Underwriters at Lloyd’s, HCIT remains one of the most reliable catastrophe insurance programs available today.
What makes HCIT different is more than just its long history. Our dedicated team of experts brings over a century of combined experience in property and casualty insurance, ensuring every policy is handled with professionalism and care. HCIT provides blanket coverage for dwellings, other structures, and contents—automatically combined into one total sum insured to simplify your coverage.
There are no home inspections required, and getting started is easy, with state-specific applications available through your Independent Agent Association or right here on our site. Whether you’re an agent looking to protect your clients or a homeowner seeking coverage where standard insurance falls short, HCIT is built to deliver dependable protection with a personal touch.
