Picture
How to Insure Condominium Unit Owners — National Edition
A condominium unit is not simply a smaller house.
It is a privately owned unit inside a shared legal and insurance structure. The producer must understand two insurance stories at the same time: what the condominium association is responsible for and what the unit owner is responsible for. That dividing line can depend on association documents, the master policy, deductibles, improvements, and the circumstances of a loss. 

How to Insure Condominium Unit Owners is a practical producer-development guide that teaches insurance professionals how to investigate that relationship before treating an HO-6 as a routine quote.

Inside This Practical Guide
You'll learn how to:
  • Review the association's insurance before quoting
  • Identify what the unit owner must insure
  • Understand master-policy concepts without relying on labels such as “walls-in,” “bare walls,” or “all-in”
  • Investigate improvements, betterments and renovations
  • Address personal property, special property and loss-of-use exposures
  • Recognize personal liability and medical-payments issues
  • Investigate loss assessment and association deductibles
  • Ask better questions about water losses and neighboring units
  • Identify rental, short-term rental, seasonal and vacant-unit concerns
  • Build a complete, quote-ready condominium account
  • Explain the relationship between association and unit-owner insurance
  • Conduct stronger annual reviews as the association and unit change 
The $25,000 Deductible Nobody Asked About
One of the guide's most valuable lessons deals with an exposure producers can easily overlook: the condominium association's master-policy deductible.

A major water loss may involve a $25,000 association deductible that could potentially be allocated among unit owners. The producer's job isn't to promise that the HO-6 will pay it—it is to discover the deductible before the loss, explain the potential exposure, and verify how the proposed policy responds. 

More Than Condo Coverage Basics
This is a producer field guide—not simply a discussion of HO-6 coverage.
It includes eight reusable producer tools and checklists, a responsibility-line exercise, a 30-Day Condo Prospecting Plan, E&O and documentation guidance, and 10 real-world producer scenarios using the FYI Express+ discipline:
  • HEAR →
  • ASK →
  • VERIFY →
  • DOCUMENT →
  • NEXT SAFE ACTION
You'll also learn how to find condo opportunities among first-time buyers, downsizing homeowners, second-home purchasers, existing Auto clients, and referral relationships—and how a condo account can become part of a much longer client relationship. 

Built for Real-World Producers
Use this guide for:
  • New Producer Training
  • Experienced Producer Development
  • Desk Reference
  • Agency Meetings
  • Coverage Reviews
  • Account Rounding
  • E&O Awareness
​National Edition — designed around sound producer principles while emphasizing verification of governing documents, actual policy forms, endorsements, carrier requirements, and applicable state rules. 

$25 — One-Time Purchase
Buy it once. Use it from now on.
Instant Digital Download

FYI Express+ Producer Development Academy
Practical Training. Better Producers. Stronger Agencies.
​READY TO SEE WHAT A HOW-TO INSURANCE GUIDE IS REALLY LIKE?

Start With One on Me.

Get the complete How to Insure Teen & Young Drivers — National Edition absolutely FREE.
DOWNLOAD YOUR FREE COPY