Win in a Shrinking Apartment Insurance Market with Dustin Thome of Buckner Insurance Artwork

Know Your Risk and Insurance Coverage with RiskProNet

Do you get overwhelmed with insurance policies? Are you interested in learning about the different types of insurance? On the show, RiskProNet starts the conversation about insurance and risk management. RiskProNet is a network of independent insurance agencies who serve individuals and corporations with extensive industry knowledge. Follow the show to get an in-depth look at insurance and risk assessment. If you want to learn more about RiskProNet, visit their website at riskpronet.com.

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Know Your Risk and Insurance Coverage with RiskProNet

Win in a Shrinking Apartment Insurance Market with Dustin Thome of Buckner Insurance

August 08, 2025 • RiskProNet • Season 1 • Episode 38

In this episode of Know Your Risk and Insurance Coverage with RiskProNet, Kyle Watts and Matt Sasso talk with Dustin Thome, Executive Vice President of Buckner Insurance in Denver, about their Elite Property Insurance Program. Underwritten by Ascot Specialty, this exclusive product is designed for apartment complexes caught between shrinking standard market appetites and expensive E&S options. Dustin walks through eligibility requirements, underwriting flexibility, competitive commission strategies, and recent success stories. If you’re a broker struggling to place mid-market multifamily risks, this program could be your winning move.

Get in touch with the Elite Property Insurance underwriter, Cindy Smith-Tomlinson: 972-666-8740 | csmithtomlinson@innovative-risk.com

Resources:

Become a member at RiskProNet.com

Connect with Dustin Thome on Linkedin

Connect with Buckner Insurance on LinkedIn

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Timecodes:

00:00 – Welcome to RiskProNet podcast

00:41 – Meet guest Dustin Thome of Buckner Insurance

01:00 – Overview of the Elite Property Insurance Program

01:17 – Market challenges for multifamily property placement

02:13 – Origins of the Elite Property Program

02:59 – Target property types and eligibility

03:57 – What makes a strong submission

05:00 – Broker commission strategies and flexibility

06:29 – Deductible structures and lender compliance

07:26 – Competitive water damage deductible advantage

07:54 – Risks that disqualify a property

09:18 – Key advantages for brokers using the program

10:41 – States where the program operates

11:47 – Where the program excels most

12:32 – Recent success story: winning a Colorado deal

13:58 – Submission process and dedicated underwriter contact

14:43 – Closing thanks and how to learn more