Freddie Mac Single-Family Seller/Servicer Guide Chapter 8202 — Property Insurance

Name: Freddie Mac Single-Family Seller/Servicer Guide Chapter 8202 — Property Insurance — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

fhlmc-8202

Chapter 8202 of the Freddie Mac Single-Family Seller/Servicer Guide governs property and flood insurance: general property-insurance requirements, mortgage clause, minimum property insurance types and amounts, flood insurance, condo/co-op liability and fidelity, and Lender-Placed Insurance. NOTE: actual title is "Property Insurance".

This register: .xlsx .csv

source:
  type: regulation
  id: fhlmc-8202
  authority: Freddie Mac Single-Family Seller/Servicer Guide Chapter 8202 — Property Insurance
  description: |
    Chapter 8202 of the Freddie Mac Single-Family Seller/Servicer Guide
    governs property and flood insurance: general property-insurance
    requirements, mortgage clause, minimum property insurance types and
    amounts, flood insurance, condo/co-op liability and fidelity, and
    Lender-Placed Insurance. NOTE: actual title is "Property Insurance".
obligations:
  - id: fhlmc-8202-maintain-property-insurance
    canonical_id: fhlmc-8202-maintain-property-insurance
    section: Freddie Mac Guide Section 8202.1(a) — General property insurance requirements
    description: |
      For as long as Freddie Mac owns a Mortgage, [LENDER] must ensure that
      the Mortgaged Premises is covered by insurance meeting the
      requirements of Chapters 4703 and 8202, including coverage for fire,
      windstorm, hurricane, hail, flood and localized perils when
      applicable.
    type: maintain
    audit_question: Can [LENDER] evidence that, for every Freddie Mac-owned Mortgage it services, the Mortgaged Premises is continuously covered by insurance meeting the Chapter 4703 and 8202 requirements?
    program_review: Does the program ensure every Freddie-owned Mortgage's premises is continuously covered by insurance meeting Chapters 4703 and 8202 (fire, windstorm, hurricane, hail, flood, localized perils as applicable)?
    file_review: Sample serviced loans; confirm continuous coverage meeting the Chapter 4703/8202 requirements.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: escrow_analyst
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - property-insurance
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8202.1(a)
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 4c94f67729042dd6
      fetched_at: '2026-08-23T11:59:01.325048+00:00'
      content_hash: sha256:4c94f67729042dd6c1b29c7af76feaebf9fcaee0518fd408b68a0064e5a65533
      paragraph_quote: For as long as Freddie Mac owns a Mortgage, the Servicer must ensure that the Mortgaged Premises is covered by insurance meeting the requirements of Chapters 4703 and 8202.
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8202) at 2026-05-22.
      quote_healed: true
      window_corroborated_by: cdn.lhfs.com (Freddie Guide re-host)
      window_corroborated_on: '2026-09-13'
    promoted_at: '2026-05-23T00:48:30+00:00'
    promoted_from: fhlmc-8202-roundb-v1.yaml
  - id: fhlmc-8202-flood-insurance-policies-controls
    canonical_id: fhlmc-8202-flood-insurance-policies-controls
    section: Freddie Mac Guide Section 8202.2 — Flood insurance requirements
    description: |
      [LENDER] must have policies and controls in place to ensure that the
      Mortgaged Premises, when required, has and maintains flood insurance
      coverage that meets the minimum requirements outlined in Section
      4703.3, for each Freddie Mac-owned Mortgage it services.
    type: maintain
    audit_question: Can [LENDER] evidence that, for every Freddie Mac-serviced Mortgage in a Special Flood Hazard Area or otherwise requiring flood insurance, policies and controls are in place to ensure flood insurance coverage meeting Section 4703.3 minimums is maintained?
    program_review: Does the program maintain policies/controls ensuring flood insurance meeting §4703.3 minimums is maintained on every serviced Mortgage in an SFHA or otherwise requiring it?
    file_review: For SFHA/flood-required loans, confirm coverage meeting §4703.3 minimums; review the controls.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: escrow_analyst
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - flood-insurance
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8202.2
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 4c94f67729042dd6
      fetched_at: '2026-08-23T11:59:01.325048+00:00'
      content_hash: sha256:4c94f67729042dd6c1b29c7af76feaebf9fcaee0518fd408b68a0064e5a65533
      paragraph_quote: For each Freddie Mac-owned Mortgage it services, the Servicer must have policies and controls in place to ensure that the Mortgaged Premises is insured and the coverage meets the minimum property insurance requirements outlined in Section 4703.2.
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8202) at 2026-05-22.
      quote_healed: true
      window_corroborated_by: cdn.lhfs.com (Freddie Guide re-host)
      window_corroborated_on: '2026-09-13'
    promoted_at: '2026-05-23T00:48:30+00:00'
    promoted_from: fhlmc-8202-roundb-v1.yaml
  - id: fhlmc-8202-flood-no-lapses-premiums-paid
    canonical_id: fhlmc-8202-flood-no-lapses-premiums-paid
    section: Freddie Mac Guide Section 8202.2 — Flood insurance lapse prevention
    description: |
      [LENDER] must have policies, procedures and controls in place to
      ensure the property is adequately protected by flood insurance when
      required, with no lapses in coverage, and the flood insurance
      premiums are paid.
    type: maintain
    audit_question: Can [LENDER] evidence its policies, procedures and controls for ensuring no lapses in required flood insurance coverage on Freddie Mac-serviced Mortgages, and that flood insurance premiums are paid timely?
    program_review: Does the program have policies/procedures/controls ensuring no lapse in required flood coverage and timely payment of flood premiums?
    file_review: Sample flood-required loans; confirm no coverage lapse and timely premium payment via the lapse-prevention controls.
    judgment: false
    feeds: []
    workflow_phase: servicing
    owner_role: escrow_analyst
    secondary_owner_role: compliance_officer
    cadence: continuous
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - fhlmc
      - freddie-mac
      - servicing-guide
      - flood-insurance
      - lapse-prevention
      - promoted
    primary_source:
      tier: 1
      authority: Freddie Mac Single-Family Seller/Servicer Guide Section 8202.2
      source_class: fhlmc-guide
      source_url: https://guide.freddiemac.com/ci-guide
      snapshot_id: 4c94f67729042dd6
      fetched_at: '2026-08-23T11:59:01.325048+00:00'
      content_hash: sha256:4c94f67729042dd6c1b29c7af76feaebf9fcaee0518fd408b68a0064e5a65533
      paragraph_quote: The Servicer must have policies, procedures and controls in place to ensure the property is adequately protected by flood insurance when required, with no lapses in coverage, and the flood insurance premiums are paid.
      drafter_attestation: Copied verbatim from Freddie Mac Guide snapshot 5869ee9e606cd4ae (Chapter 8202) at 2026-05-22.
      quote_healed: true
      window_corroborated_by: cdn.lhfs.com (Freddie Guide re-host)
      window_corroborated_on: '2026-09-13'
    promoted_at: '2026-05-23T00:48:30+00:00'
    promoted_from: fhlmc-8202-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T00:48:30+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\fhlmc-8202-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide Chapter 8202 — Property Insurance — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Freddie Mac Guide Section 8202.1(a) — General property insurance requirements

For as long as Freddie Mac owns a Mortgage, the Servicer must ensure that the Mortgaged Premises is covered by insurance meeting the requirements of Chapters 4703 and 8202.

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 8202.1(a) · source URL · snapshot 4c94f67729042dd6

Freddie Mac Guide Section 8202.2 — Flood insurance requirements

For each Freddie Mac-owned Mortgage it services, the Servicer must have policies and controls in place to ensure that the Mortgaged Premises is insured and the coverage meets the minimum property insurance requirements outlined in Section 4703.2.

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 8202.2 · source URL · snapshot 4c94f67729042dd6

Freddie Mac Guide Section 8202.2 — Flood insurance lapse prevention

The Servicer must have policies, procedures and controls in place to ensure the property is adequately protected by flood insurance when required, with no lapses in coverage, and the flood insurance premiums are paid.

Source: Freddie Mac Single-Family Seller/Servicer Guide Section 8202.2 · source URL · snapshot 4c94f67729042dd6

Get this regulation in your AI window

Bulletins replace Guide sections, and the old text stays widely quoted. An assistant will answer from a version a later Bulletin already retired.Put the verbatim text and its effective date in front of your assistant, instead of whatever it remembers.

Open in Claude Open in ChatGPT

Open in Claude shows the one-time setup: paste one address, no account with us. Open in ChatGPT asks ChatGPT about this page, with no setup. Either way it’s free.

Get notified if this rule changes

One email when Freddie Mac Single-Family Seller/Servicer Guide Chapter 8202 — Property Insurance changes: what changed, the new verbatim text, and the effective date. Nothing else.

Double opt-in: we send a confirmation link first. Following one section does not subscribe you to anything else. Privacy.

Source of record: https://claudeforcompliance.com/regs/fhlmc-8202/ · register fhlmc-8202 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.