Certificates of Insurance
Need proof of the master policy? Get it in minutes.
Lenders, closings and refinances ask for a certificate, also called evidence of insurance. Unit owners and property managers can pull it themselves, any time, through EOI Direct. No waiting on office hours.
Minutesmost certificates are issued the same session
Freeto register and to pull a standard certificate; a delivery fee may apply when a mortgagee clause is added
24/7online, in English or Spanish by phone during EOI Direct’s hours
How it works
Three steps, one website.
1Go to eoidirect.com
First time? Click Get Started, choose Homeowners & Property Managers, then Register Now. Watch for the activation email from help@eoidirect.com.
Open EOI Direct →2Log in and search
Choose Evidence of Insurance from the main menu and search for your association by name or address.
3Download or send
Pull the certificate as a PDF, or have it sent straight to the lender with the mortgagee clause they need.
Buying or refinancing a unitYour lender needs the association’s master policy certificate before closing. Pull it yourself or ask the closer to.
Property managersOne login covers every association you manage. Certificates for owners, lenders and closings without a call to us.
Prefer the phone?EOI Direct’s customer service is available Monday to Friday, 8:00 AM to 7:00 PM Central, in English and Spanish, at (877) 456-3643.
Questions we hear
About certificates.
What is the difference between a certificate of insurance and evidence of insurance?
For a lender they are the same document: proof that the association’s master policy is in force, with the lender named where required. EOI Direct issues both.
Does it cost anything?
Registering is free and a standard certificate is free. A delivery charge may apply when a mortgagee clause is added for a lender.
Can a unit owner request it, or does the board have to?
Unit owners, buyers, closers and property managers can all register and pull the certificate themselves. The board does not need to be involved.
I reached out to EOI Direct and I can’t get what I need.
If you have contacted EOI Direct but still have questions or need additional information, please email us at associations@myinsurancewarehouse.com. We are here to help!
Where do I submit a request for a COI for my mortgage company?
All COIs are processed and sent directly from our partner, EOI Direct. You can call (877) 456-3643 to request a certificate by phone, or visit www.eoidirect.com to request one online. If you have a question or need additional information on how to obtain a COI, you can email our team at associations@myinsurancewarehouse.com.
Do we have to pay for HOA mailers to be sent to homeowners?
No. When you start or renew your HOA policy with us, we will take care of mailing your homeowners an updated HO-6 information letter. The mailer will include instructions on how to obtain a Certificate of Insurance (COI), as well as coverage recommendations for each homeowner’s personal HO-6 policy. This is already included as part of our standard processing fee.
Who do I contact with questions about my COI?
You can visit www.eoidirect.com or call (877) 456-3643 to request a COI. If you have additional questions that aren’t answered, you can reach out to our team at associations@myinsurancewarehouse.com for assistance.
We want to move to “Bare Walls” coverage; what are our next steps?
Moving to “Bare Walls” requires careful coordination between your legal counsel and your insurance agent. The primary steps include:
Governing Document Audit: Ensure your Governing Documents align with a “Bare Walls” definition.
Membership Approval: Follow your association’s protocol for voting on insurance amendments.
Carrier Notification: Work with your agent to update the Master Policy and obtain a revised Certificate of Insurance.
Owner Education: Provide owners with a clear “Notice of Change” explaining that they are now responsible for insuring their unit’s interior (flooring, cabinets, etc.).
Still stuck?
Email associations@myinsurancewarehouse.com with the association name and the lender’s request and we will point you to the right place.