How long must a primary residence be insured before applying for a secondary/seasonal manufactured home policy?

To apply for a secondary or seasonal manufactured home policy, the primary residence must be insured for at least 60 days. This requirement ensures that there is a baseline of coverage in effect, which helps mitigate risks associated with the transition from a primary dwelling to a secondary or seasonal unit. Having insurance for a minimum period prior to applying for additional coverage demonstrates a commitment to maintaining adequate protection, which is beneficial for both the insurer and the policyholder.

This timeframe also provides an opportunity for the insurer to assess the risk associated with the primary residence before extending coverage to a secondary unit. Insurers typically want assurance that the policyholder is responsible and will take necessary steps to ensure that both properties are safeguarded against potential losses.