What is the key condition for selling secondary/seasonal manufactured home policies?

Selling secondary or seasonal manufactured home policies typically requires that the homeowner already possesses a primary homeowners insurance policy. This condition is essential because secondary homes are often viewed as a higher risk by insurers; therefore, having an existing policy indicates that the homeowner understands their insurance responsibilities and may have a track record of maintaining coverage.

Insurers look favorably upon the fact that the homeowner is already invested in protecting their primary residence, which can suggest they will be similarly responsible with their secondary home. The other conditions, such as ownership duration, specific geographic locations, or premium rates, while they might influence different aspects of insurance policies, do not serve as the foundational requirement for selling secondary policies in the same way that having an existing primary policy does.