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                           **This product is a Big I" member benefit**


HCIT is a DIC Flood, Earthquake, and Landslide policy, that was established in 1975, and has provided catastophe insurance protection for these types of losses that aren't generally covered by standard homeowners policies. The HCIT program is insured 100% through our underwriters at Lloyd's of London, who have been with us since the beginning. One of the best parts about this program is that the Big I" Agents and CSR's love that there's absolutely NO QUOTING necessary!

We understand time is money. The less work you have to do to make your insured's happy, the better off your relationship with them will be, making it likely they'll write more business with your agency.

It's really simple. The premium table is located on the front of the application, which you can access from the links listed below. It includes all applicable policy and state surplus line taxes and fees. On the application, and you'll find the premium cost located to the right of the replacement cost of the dwelling.

Unlike NFIP, HCIT offers up to 1 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 is requesting it). There is 10 day waiting period, but can be taken down to 5 days for a mortagee closing, and the policy will automatically renewed.

How to Apply

1.       Complete one of the Applications below, along with the Addendum.  *Please open in Adobe. Entries typed in if opened in a web page will not save your work. 

Application 5.pdf

Application 1.pdf

Addendum.pdf (only required if applying for the 1% deductible)

2.       Submit the completed Application and Addendum to Kimberlee Vasey at

If you have any immediate questions, you can reach her at (801) 912 - 0642


 Mortgagee Letter.pdf

Agent FAQ.pdf

Insured FAQ.pdf

DIC Form.pdf


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RLI’s Personal Umbrella Policy (PUP) provides the
coverage your customers need:
• Expanded underwriting opportunities including DUI/DWI
• Properties in multiple states and outside the U.S. eligible
• Excess UM/UIM coverage available nationwide
• Policies written above 100/300 auto
• Drivers of all ages accepted — including new drivers
• No A.M. Best Rating requirement for underlying carriers
• Easy online quoting
• Electronic signatures and online credit card payments accepted
Be sure to check out the RLI PUP Access online system. It makes it easy for you to manage multiple accounts and allows insureds to quickly and conveniently complete new business submissions, submit electronic signatures and pay bills.

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Contact Cheryl Lyman at 801-269-1200 or

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Partnered with Homeowners Catastrophe Insurance Trust, Trustco Inc and UAIIA offer you the ability to sell the top home based difference in conditions insurance on the market. The program permits subscribing members to obtain affordable property protection against the losses associated with disasters such as earthquake, landslide and flood, which are not usually covered on homeowners' policies.

HCIT has over thirty years of experience underwriting earthquake landslide and flood business, and have the knowledge and professionalism to best serve you and your clients. HCIT coverage is placed through Llyod’s, London, rated A (excellent) by AM Best.

The HCIT program offers blanket limit coverage for the dwelling, contents and other structures. And no inspection of the premises is required. The program offers a limit of up to 1 million with a 5% deductible. And the HCIT can be written as excess over the NFIP.

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Eagle Agency is a general agency created exclusively for IIABA members. It offers easy access to top-rated carriers for personal lines with low volume commitments and no fees. After achieving a pre-determined level of written premium with Eagle Agency, if the book of business is profitable, Eagle agents will have the opportunity to receive direct contracts with the partner carriers. Eagle Agency offers competitive commissions on new and renewal business. Commission is 66% of the commissions we receive. Gross commissions vary, depending on the line of coverage and the state. Eagle agents retain ownership of all the business placed through the Eagle Agency.

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