One of the best is to aim for the highest possible deductible - in effect, becoming a co-insurer with the company.

The company is also the fourth largest co-insurer in general, according to H.U.D. documents.

In other words, the depositor becomes a co-insurer with the Government over the maximum that the Government would be insuring.

Benton attracted the attention of H.U.D. auditors because it is the largest co-insurer of units built under the Section 8 Moderate Rehabilitation program.

Meanwhile, Bush Administration officials say an inquiry by the Federal Bureau of Investigation into a private co-insurer has broadened to include an examination of the company's ties with Thomas T. Demery, the Assistant Secretary for Housing from 1986 to 1988.