Renewal Certificates are always free of charge when the unit owner is requesting the certificate if the lender is looking to update their records each year). They are also free of charge to the unit owner when the lenders servicing department changes or the loan transferred to a new lender; and the new lender needs to update their records.
An information only is also free of charge to the either the unit owner or lender; but this only outlines the coverages in place. It is not unit owner or lender specific.
Attached are the unit owner instructions and the information only certificate. EOI Direct can be reached at 877-456-3643 or online at www.eoidirect.com.