Focus on the coverage, not the premium. Boards have to consider the premium cost, of course, but coverage, not cost, should be the primary driver of insurance decisions. The goal is not to save money by minimizing premium costs, but to purchase the most comprehensive insurance protection the association can afford. The best strategy for controlling premium costs is by increasing the policy's deductible (see this month's "Asked and Answered"), not by reducing the coverage the policy provides. February 2019 CONDOMEDIA 33