Colorado Title Insurance for Manufactured Homes: Protecting Your Home and Land Ownership
- Jerad Larkin
- 1 day ago
- 3 min read
Introduction: A Unique Property, A Unique Set of Rules
Manufactured homes play a big role in Colorado’s housing market - offering affordability, flexibility, and accessibility across urban and rural communities. But when it comes to ownership protection, manufactured homes require special attention. Unlike traditional site-built homes, manufactured homes can be classified as personal property or real property depending on whether they’re attached to land. That distinction determines how title insurance applies.
In this post, we’ll explain how Colorado title insurance for manufactured homes works, when it’s required, and how Jerad Larkin and Chicago Title Colorado help ensure your ownership is fully protected.
The Difference Between Manufactured Homes and Real Property
In Colorado, the type of property you own determines how it’s insured:
Personal Property – A manufactured home that’s mobile or not permanently attached to land is treated like a vehicle.
Ownership is titled through the Colorado Division of Motor Vehicles (DMV).
Title insurance does not apply in this case.
Real Property – Once a manufactured home is permanently affixed to land (with wheels and axles removed and title purged), it’s considered real estate.
The home is insured like a site-built house.
A title company can issue full title insurance coverage.
If you own or are purchasing land with a permanently attached manufactured home, you’ll need title insurance.
Why Title Insurance Is Critical for Manufactured Homes on Land
Even if your home is new or recently installed, title issues can still arise.
Title insurance protects against:
Ownership disputes – Confirms both land and home ownership are properly recorded.
Unreleased liens – Covers old financing or construction liens.
Clerical or filing errors – Corrects mistakes in public records.
Boundary or access issues – Ensures the property’s legal description is accurate.
Fraud or forgery – Covers false signatures or fraudulent ownership claims.
Without title insurance, you could face costly legal challenges if ownership records are incomplete or inaccurate.
How to “Purge” a Manufactured Home Title in Colorado
To qualify for title insurance, your home must be converted from personal property to real property through the title purge process.
Here’s how:
Remove all transport features (wheels, axles, hitch).
Attach the home permanently to a foundation on owned land.
File a Title Purge Application with the county clerk and recorder.
Record an Affidavit of Real Property to officially combine the home with the land.
Once complete, the home can be insured like any other real estate structure.
What Title Insurance Covers for Manufactured Homes
When insured as real property, your Colorado title insurance policy covers:
Ownership and recording defects.
Fraud or forgery in past transfers.
Hidden liens or judgments.
Easement or access disputes.
Errors in the legal description of the home or land.
Your policy remains valid for as long as you own the property.
Why Choose Chicago Title Colorado
Jerad Larkin and Chicago Title Colorado help manufactured homeowners across the state navigate the title purge and insurance process with ease.
They offer:
Step-by-step guidance on converting a mobile home to real property.
Fast and accurate title searches for land and structure.
Escrow and closing coordination for sales or refinances.
Local expertise across Colorado’s Front Range and mountain counties.
Backed by Fidelity National Title Group - the nation’s largest title insurer.
Real-Life Examples
A Weld County homeowner successfully insured their manufactured home after purging the DMV title with Chicago Title’s help.
A Pueblo buyer avoided paying off a $7,000 lien discovered during title review.
A rural El Paso County property was converted to real property and sold without issue.
How Much Does Title Insurance Cost?
Title insurance rates in Colorado are regulated by the Division of Insurance. Typical range: $800–$2,000, depending on property value. It’s a one-time fee that protects your ownership for the lifetime of the property.
Conclusion
Owning a manufactured home in Colorado is a smart investment - but only if your ownership is fully protected. Colorado title insurance for manufactured homes ensures that your land and home are legally secured, even when ownership records are complex or incomplete. With Jerad Larkin and Chicago Title Colorado, you’ll have a knowledgeable partner guiding you from title purge to closing, ensuring your home and land are protected for years to come.
Questions? Contact:
Questions? Contact Jerad Larkin at Chicago Title Colorado.
📞 303.630.9430
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