You need a vacant dwelling policy with course of construction coverage and builder’s risk.

Or are you planning to begin renting it instantly?

Notices stuck all over the dwelling.

People go back up north when it gets so hot.One thing to explore and is an idea that is rocking right now in LA is the concept of an ADU [accessory dwelling unit] or guest units, people are adding guest units and doing ADu conversions - this allows you to take a SFR and add or convert it to a legal rental, as opposed to having to rent out an extra bedroom and deal with roommates, you can take that same bedroom and add a kitchen and bath and you have an ADU that can rent out for a premium.

In most standard policies the insurance company will provide an additional 10% of the dwelling amount for "other structures".

Is it big enough that you could build a small accessory dwelling on the lot and rent it out?

@Horacio Gutierrez Like some mentioned, using Venmo is a very popular and secure way for people to transfer money instantly on their phones.

Has anyone experienced instant equity building a modular home?

I was in one tenant occupied dwelling and they had junk piled all along the edges of the house about 3-4 feet high.

Don't get angry, don't worry and don't dwell on how you were taken advantage of.