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When selling habitational insurance—the line that offers coverage for owners of condos, apartment buildings and other multi-unit dwellings—one of the crucial mistakes an agent or broker can make is assuming that all equipment-breakdown coverage is alike.

So those looking to avoid an errors & omissions problem need to understand the importance of securing coverage with a carrier that has a product that can be specifically tailored to meet all of an insured’s equipment-breakdown needs, advises Carmen Suarez, underwriting manager for Preferred Property Program, a subsidiary of JGS Insurance, Holmdel, N.J.

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