Your home is one of your most important investments—but most standard homeowners insurance policies don’t cover disasters like earthquakes, floods, or landslides. That’s where HCIT comes in. The Homeowners Catastrophe Insurance Trust (HCIT) works in tandem with your existing policy to provide critical protection when nature strikes.
HCIT is available exclusively through member agents of your state’s Independent Agents’ Association in Colorado, Idaho, Montana, New Mexico, Nevada, Utah, and Washington. These independent agents understand the specific risks homeowners face in your area and are trained to help you find the right coverage. Getting started is simple—just confirm your agent is a participating member, and you’re ready to begin the application process. Not sure? Use the link below to search, or call us directly and we’ll help connect the dots.
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.
