Smarter Coverage. Lower Costs. Real Protection for Your Community.
Insurance premiums for HOAs and condominium associations have surged in recent years, driven by increased claims, higher replacement costs, and carriers pulling out of the market. Boards are being forced to choose between risky coverage gaps or unsustainable special assessments—and many communities are left scrambling to stay compliant with updated lending guidelines.
Archer Risk Services created the Exclusive Insurance Program to offer something better. By leveraging a curated portfolio of well-managed communities—those with strong governance, proactive maintenance, and low claim history—we deliver bulk purchasing power, broader coverage, and stronger financial protections without sacrificing control or compliance.
Why Archer’s Exclusive Insurance Program Works
Lower Premiums
We negotiate bulk pricing on behalf of eligible communities, delivering significant cost savings that aren’t available through individual standalone policies.
Broader Coverage
Our program is designed for comprehensive protection—meeting all FNMA lending requirements with Special Form coverage, full Replacement Cost Value, and critical add-ons like Ordinance & Law, D&O liability, and Equipment Breakdown.
Simplified Claims Process
With Archer at the helm, you get centralized claims management, faster response times, and experienced guidance throughout every step.
Lender-Approved Structure
Recent updates to the Fannie Mae Selling Guide (April 2025) now recognize properly structured master policies covering multiple unaffiliated associations—opening new doors for smarter, shared coverage models like ours.
Active Risk Mitigation
We go beyond just placing insurance. Our model includes unit owner education, HO-6 enforcement, and hands-on support in reducing claim exposure.
What FNMA Requires—and How Archer Delivers
Fannie Mae’s updated lending rules require:
- Full Replacement Cost Coverage (100% RCV)
- Special Form Policy (fire, windstorm, explosion, vandalism, etc.)
- No Sublimits or Exclusions for required perils
- Deductibles ≤ 5% of total coverage
- HOA Fidelity & Crime Coverage
- Directors & Officers Liability
- Ordinance or Law Coverage
- Boiler & Machinery Coverage
- Umbrella Coverage (for communities with pools, playgrounds, etc.)
- Flood Insurance (100% RCV in SFHAs)
Archer’s program meets—and often exceeds—these requirements. Each participating association is named and insured separately within the master policy, ensuring independent coverage allocation, financial governance, and full lender compliance.
Addressing Common Misconceptions
Fiction: Master programs remove board control.
Fact: Your board remains in full control of coverage levels and claims decisions while gaining access to enhanced pricing and support.
Fiction: Shared programs aren’t FNMA-approved.
Fact: As of April 2025, Fannie Mae explicitly allows multi-association master policies—if structured properly. Archer’s program is built to meet those exact guidelines.
Fact: Our clients see stabilized premiums, fewer gaps, and reduced claims.
And because we require HO-6 compliance and offer ongoing education, risk exposure stays low—benefiting every community in the program.
How We Strengthen the Coverage Triangle: HOA + Archer + Homeowner
Archer’s approach recognizes that strong coverage depends on alignment between the association, the insurer, and the homeowners themselves.
We require HO-6 policies that:
- Protect the HOA from unit-level negligence
- Ensure shared responsibility for deductibles
- Minimize the HOA’s financial burden in interior claims
And we don’t stop there. We educate homeowners, track compliance, and work directly with lenders and agents to make sure everyone’s protected and aligned.
Bottom Line: Smarter Insurance for Smarter Communities
At Archer Risk Services, we don’t just place policies—we build protection strategies.
If your HOA or condominium association is facing rising premiums, stricter lender requirements, or coverage confusion, it’s time to explore a better model. Archer’s Exclusive Insurance Program gives your community a path to compliance, cost control, and long-term financial stability.
Find out if your community qualifies.
Let’s talk about smarter insurance for the communities that deserve it.
Contact Archer Risk Services to learn more.