Insured TIV
$146.3M
Sum of location TIV on the schedule. A value — not an occurrence limit and not a sublimit.
Combined insurance program
One master. Every AMP.
Every dwelling AMP and both support sites sit on the CCHA master. There is no project program and no builder’s risk. Auto, WC, crime, public officials and cyber live on the same package.
Portfolio rates
Composite How calculated Sum of TIV on every location in this scope — dwellings and support sites. Matches the 2026 premium-year TIV. Program TIVs are the same dollars allocated by placement, not a second total. Board Report uses this same number.How calculated
$.41 / $100
$146.3M TIV
In-force premium How calculated Premium on lines with status bound, master, or project. Quoted and gap premiums are excluded.How calculated
$606,600
Bound / master / project only
Indicated premium How calculated Premium recorded on quote or gap lines. It is not in-force and would not pay. Shown so the board can see the ask next to what is already bound.How calculated
Not recorded
Quote and gap — not in force
Property
$.29 / $100
Property buildings — $428,000
Casualty
$178,600
GL, umbrella, auto, WC, crime, D&O, cyber
Per unit
$553
1,096 units across the portfolio
Rate by program
All-lines rate is in-force premium over that program’s TIV. Property rate uses only property, flood, builder’s risk and inland marine.
| Program | TIV | Premium | All-lines | Property | Share |
|---|---|---|---|---|---|
CCHA Master Package Authority master | $146.3M | $606,600 | $.41 / $100 | $.29 / $100 | 100% |
| Portfolio | $146.3M | $606,600 | $.41 / $100 | $.29 / $100 | 100% |
TIV across the portfolio
$146.3M insured value · 9 lines · 1 program
- CCHA Master Package$146.3M · 100%
TIV, occurrence, and sublimits
Three different recorded numbers. Do not treat schedule TIV as an occurrence limit or a sublimit.
Occurrence limits
Property — buildings: $146.3M blanket TIV · General liability: $1M / $2M · Umbrella / excess: $10M · Automobile: $1M CSL · 14 units
Per-occurrence (or equivalent) limits on in-force lines. Distinct from schedule TIV.
Sublimits
None recorded on this book
Narrower limits inside a line (per-claim / aggregate). Not the blanket TIV and not the AOP deductible.
Deductibles — recorded precision
Basis, minimum, property vs program, and the policy reference. Source opens the document page and section. Not a coverage opinion.
| Deductible | Amount | Basis | Minimum | Applies to | Policy ref | Source |
|---|---|---|---|---|---|---|
| AOP | $25,000 | Flat per occurrence — not a % of TIV | Flat $25,000 (no percentage) | CCHA Master Package — all ACC AMPs + support | CCHA Master Package · Form PRH-PROP-01 | Master property form · p. 12 |
| Wind-hail | 2% of location TIV | Percent of the damaged location’s TIV at time of loss | $25,000 minimum per location | Each location on the master — not a portfolio-wide 2% | CCHA Master Package · Form PRH-PROP-01 §Wind / hail | Master property form · p. 14 |
| Named storm | Not applicable — inland location (documentary basis: no named-storm endorsement on the recorded master). | No named-storm endorsement on the recorded master | Not recorded | CCHA Master Package | CCHA Master Package · Form PRH-PROP-01 §Named storm | Master property form · p. 15 |
Uploaded sources
Library files attached to this book. Source opens the uploaded document.
- Bluegrass-CCHA-SOV-2026-refresh.xlsxPortfolio · Sample
- Bluegrass-CCHA-5yr-loss-run-2021-2026.pdfPortfolio · Sample
- Bluegrass-PEI-market-strategy-2026-09.pdfPortfolio · Sample
- CCHA-master-package-PRH-PROP-01-excerpt.pdfPortfolio · Sample
- Willow-Court-Building-A-appraisal-sample.pdfWillow Court · Building A · Sample
Authority master
CCHA Master Package
Housing Authority Specialty / admitted package
- TIV
- $146.3M
- In-force premium
- $606,600
- All-lines rate
- $.41 / $100
- Property rate
- $.29 / $100
- AOP
- $25,000 AOP
- Wind-hail
- 2% of TIV
- Named storm
- Not applicable — inland location (documentary basis: no named-storm endorsement on the recorded master).
- Flood
- NFIP indicated for Brookside AE — not confirmed in force; no excess. Premium not recorded.
Covers every AMP and both support sites. Standalone — not in a regional housing-authority pool. Auto, WC, crime, public officials and cyber live only here. There is no project or construction program on this book.
| Line | Premium | Rate |
|---|---|---|
| Property — buildings | $428,000 | $.29 / $100 TIV |
| General liability | $38,000 | $35 / unit |
| Umbrella / excess | $41,000 | 0.41% of limit |
| Automobile | $32,000 | $2,286 / vehicle |
| Workers compensation | $46,000 | $3.71 / $100 payroll |
| Crime / fidelity | $4,200 | $4,200 |
| Public officials / D&O | $9,800 | $9,800 |
| Cyber liability | $7,600 | $7,600 |
| NFIPgap | — | — |
Combined coverage schedule
Quoted and gap lines show an indicated rate and are not in the in-force premium.
| Line | Applies to | Limit | Retention | Carrier | Premium | Rate | Status |
|---|---|---|---|---|---|---|---|
Property — buildings Replacement-cost statements on 1962–1974 AMPs last refreshed in 2025. | All ACC AMPs + support | $146.3M blanket TIV | $25K AOP · 2% wind / hail | HA specialty package | $428,000 | $.29 / $100 TIV | master |
General liability Habitational form. No separate project CGL — there are no converted LPs. | Authority operations + ACC sites | $1M / $2M | $0 | HA specialty package | $38,000 | $35 / unit | master |
Umbrella / excess Single umbrella over the master package. | Authority master | $10M | Follows primary | Follow-form excess | $41,000 | 0.41% of limit | master |
Automobile Maintenance and administration units. No third-party management fleet. | CCHA fleet only | $1M CSL · 14 units | $1,000 comp / collision | Admitted auto | $32,000 | $2,286 / vehicle | master |
Workers compensation Maintenance, administration, and site staff on one policy. | 24 authority employees | Statutory | None | State fund / admitted | $46,000 | $3.71 / $100 payroll | master |
Crime / fidelity Employee theft and premises. HUD-typical fidelity limit. | Authority operations | $500,000 | $5,000 | Admitted crime | $4,200 | $4,200 | master |
Public officials / D&O Authority-only. No LP directors. | Board and officers | $2M | $10,000 | Admitted public officials | $9,800 | $9,800 | master |
Cyber liability Quiet file. No incident in the sample years. Cyber sits on the authority program. Tenant, HCV, and PIC data run through authority systems. | Authority systems · tenant / HCV / PIC under the authority cyber program | $1M | $25,000 | Admitted cyber | $7,600 | $7,600 | master |
NFIP NFIP indicated for Brookside AE. Not confirmed in force. Premium not recorded. No excess flood. | Brookside Homes AE buildings — indicated, not confirmed in force | NFIP building maximum — Brookside AE | NFIP form | NFIP write-your-own (indicated) | — | — | gap |
In-force $606,600 · 8 of 9 lines bound.
Master vs project
There is no converted LP and no construction file. Deductibles split as $25K AOP / 2% wind-hail / named storm not applicable — inland location (documentary basis on the recorded master). NFIP is indicated for Brookside AE — not confirmed in force; premium not recorded; no excess.
Composite is $.41 / $100
In-force premium is $607K on $146.3M TIV. In-force premium is the authority package only. Project and construction premium stay at zero on this sample.
Every line stays on the authority master — there is no conversion that would move property off it. See Conversion Hub. Open Coverage Scenario Explorer.