美国联邦政府的保险公司Fannie Mae和Freddie Mac现在允许ACV覆盖, Fannie Mae and Freddie Mac now allow ACV roof coverage, cutting insurance costs and boosting affordability.

联邦住房金融机构已经放宽了Fannie Mae和Freddie Mac支持的抵押贷款保险规则,允许借款人使用实际现金价值 (ACV) 覆盖范围. The Federal Housing Finance Agency has eased mortgage insurance rules for Fannie Mae and Freddie Mac-backed loans, allowing borrowers to use Actual Cash Value (ACV) coverage for roofs—lowering premiums and monthly payments. 这一变化立即生效,仅适用于屋顶, 对于房屋的其他部分仍需提供全部更换成本价值 (RCV). The change, effective immediately, applies only to roofs, with full Replacement Cost Value (RCV) still required for the rest of the home. 它还简化了公寓保险规则, 包括每单位5万美元的自扣额和扩大免费选择, 提高可负担性和获取力, It also simplifies condo insurance rules, including a $50,000 per-unit deductible and expanded waiver options, boosting affordability and access, especially in rural and high-risk areas. 这一举动取消了2024年规定, 要求只提供RCV覆盖范围的规则, 并获得行业团体和立法者的赞扬, 因为改善了房屋所有权机会. The move reverses a 2024 rule that mandated RCV-only coverage, drawing praise from industry groups and lawmakers for improving homeownership opportunities.