What are the requirements for a manufactured home to be insured under Allstate's Risk Management Policy?

For a manufactured home to meet the requirements for coverage under Allstate's Risk Management Policy, it must be owner-occupied and skirted. Owner occupancy indicates that the homeowner uses the manufactured home as their primary residence, which is essential for most insurance policies as it often reflects the level of risk associated with the property. Skirting refers to the protective material installed around the base of the home, which helps prevent water and pests from entering, contributing to the overall stability and safety of the structure. Ensuring that these criteria are met helps to minimize hazards and fortifies the home against damage, making it more insurable under the policy. Other options do not align with Allstate's specific criteria for insuring manufactured homes.