Colorado Title Insurance for Mobile Homes: Protecting Your Ownership and Investment

Jerad Larkin
Jan 1
3 min read

Introduction: Mobile Homes Need Protection Too

Whether you’re purchasing a mobile home on private land or within a community, protecting your ownership is just as important as with any traditional property.

Mobile homes in Colorado can come with unique title challenges due to their classification as both personal property and real property, depending on how they’re installed and recorded.

Buying a mobile home in Colorado? Learn how title insurance protects your ownership once it’s attached to land. Jerad Larkin and Chicago Title Colorado explain how.

In this guide, we’ll explain Colorado title insurance for mobile homes, what it covers, and how Jerad Larkin and Chicago Title Colorado help you navigate this specialized process.

Understanding Mobile Home Ownership in Colorado

In Colorado, mobile and manufactured homes can be classified in two ways:

Personal Property – If the home is movable and not permanently attached to land, it’s treated like a vehicle with a title issued by the Colorado DMV.
Real Property – If the home is permanently affixed to land with the wheels and axles removed, and the title has been “purged,” it becomes part of the real estate and can be insured through a title company.

This distinction determines whether or not title insurance applies.

When Title Insurance Applies to Mobile Homes

Title insurance is only available when the mobile home is considered real property - meaning it’s attached to land and recorded as part of a parcel.

You may need title insurance when:

Purchasing land with a permanently attached mobile or manufactured home.
Financing or refinancing a property with a purged mobile home.
Selling property where the home is part of the land’s legal description.

If your mobile home is still considered personal property, you’ll handle ownership through the DMV instead of a title company.

Why Title Insurance Matters for Mobile Homes

Even if your mobile home is on private land, ownership issues can still occur:

Unreleased liens from the prior owner.
Conflicting ownership records between DMV and county.
Recording or legal description errors.
Missing documents related to title purging.
Boundary or access disputes tied to the land.

Title insurance ensures your ownership is clear, verified, and protected from these risks.

What’s Covered Under Mobile Home Title Insurance

A Colorado title insurance policy for real property (including a mobile home) covers:

Ownership disputes or claims.
Clerical or recording errors.
Fraud or forgery in previous transfers.
Hidden liens or judgments.
Boundary or easement conflicts.

If a covered issue arises, your policy covers both financial loss and legal defense costs.

How to “Purge” a Mobile Home Title in Colorado

Before title insurance can be issued, the home must be converted from personal property to real property by:

Removing the wheels, axles, and towing hitch.
Affixing the home permanently to a foundation.
Filing a Title Purge Application with the county clerk and recorder.
Recording an Affidavit of Real Property showing the home is now part of the land.

Once complete, the mobile home can be insured like any traditional house.

Why Choose Chicago Title Colorado

Jerad Larkin and Chicago Title Colorado help homeowners, lenders, and agents navigate the unique process of insuring mobile and manufactured homes.Their team provides:

Guidance through the title purge process.
Fast and accurate title searches.
Escrow coordination for land and mobile home sales.
Local expertise across Denver, Boulder, and Colorado Springs.
National strength through Fidelity National Title Group.

Real-Life Examples

A buyer in Pueblo closed smoothly after Chicago Title verified a fully purged mobile home title.
A Colorado Springs lender avoided a delay after discovering the prior title wasn’t properly purged.
A rural buyer in Weld County protected their ownership with a clear, insured title.

How Much Does Title Insurance Cost?

Costs are regulated by the Colorado Division of Insurance, based on the property’s total value (land + home).Average range: $1,000–$2,000, depending on endorsements and county fees.

Conclusion

Even if your home is “mobile,” your ownership protection shouldn’t be.

Colorado title insurance for mobile homes ensures your investment, land, and ownership rights are secure. With Jerad Larkin and Chicago Title Colorado, you’ll have expert guidance every step of the way - from title purge to closing day.