DUAL: Roof insurance gets more affordable
Recent updates from the Federal Housing Finance Authority (FHFA) has changed the requirements for homeowners insurance which may result in lower premiums.
Learn more below about the updated requirements and how DUAL Personal Lines can partner with you to protect your clients' most valuable assets.
New FHFA requirements
On March 18, 2026, the FHFA announced new rules stating that Fannie Mae and Freddie Mac will now accept actual cash value (ACV) coverages on roofs instead of replacement cost value (RCV) for single-family homes.
This alleviates the difficulty of finding replacement roof coverage for homeowners, allowing them an opportunity to purchase lesser insurance coverage and get paid for what their roof is worth today.
Why partner with DUAL Personal Lines?
Our experts are here to help you do more.
DUAL Personal Lines has been a leader in providing ACV on roofs and homes for over 75 years, allowing insureds to customize coverages to meet their unique needs.
With dedicated service and sales support to help your business grow and our recently expanded carrier partnership, our homeowners, dwelling fire, and manufactured home offerings are more flexible than ever.
Some other upgrades include:
New homeowners product offering (HO-3 special form) available in Arizona, Oklahoma, and Texas; coming soon to Georgia and Tennessee
Higher coverage A values for homeowners ($500k) and manufactured homes ($300k)
Agent friendly quoting platform designed to provide customized coverages for each insured
Targeted discounts to attract quality insureds and provide competitive rates
Get started
When quoting, be sure to select Homebound Insurance Exchange in the dropdown under "carrier group"
With any questions or assistance, please reference our contact sheet and don't hesitate to your Territory Sales Manager directly.
We appreciate your business and look forward to continuing to build a strong partnership!
The DUAL Personal Lines team