COSPARK tokens 101: DT, IT and VT

How Dues, Insurance and Vacation Tokens are earned, tracked and redeemed. Here's what you need to know, in plain language.

The short version

Insurance works best when it's matched to what you'd actually lose. Start with what you own, what you owe and who depends on you — then choose limits that protect those things rather than the cheapest option that meets the minimum.

What to check

• Your current declarations page and limits
• Deductibles you could comfortably pay tomorrow
• Gaps between policies, like flood or high-value items
• Discounts from bundling or safety features

Next steps

Gather your current policies, write down any questions, and request a quote or appointment. Members can keep every policy, payment and document in one dashboard.