> For the complete documentation index, see [llms.txt](https://underwriting.homium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://underwriting.homium.io/insurance/property-and-flood-insurance/general-property-insurance-requirements-for-all-property-types/property-insurer-rating-requirements.md).

# Property Insurer Rating Requirements

The property insurance policy for the property securing any first mortgage and Homium second lien, including master policies for project developments, must be written by an insurer that meets one of the rating requirements in the following table. 

| Rating Agency            | Rating Category                                            |
| ------------------------ | ---------------------------------------------------------- |
| AM Best Company          | “B” or better Financial Strength                           |
| Demotech, Inc.           | “A” or better Insurance Financial Stability Rating         |
| Kroll Bond Rating Agency | “BBB” or better Insurance Financial Strength Rating (IFSR) |
| S\&P Global              | “BBB” or better Insurer Financial Strength Rating          |

**Note:** An insurer is only required to meet the rating category requirement for one of the rating agencies, even if they are rated by multiple rating agencies. 


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