Colorado Title Insurance for Vacant Land: Why It’s Essential Before You Build

Jerad Larkin
1 day ago
2 min read

Introduction: Protecting Raw Land Investments

Buying vacant land in Colorado may seem simple, but many buyers don’t realize that ownership risks exist - even when the property has no structure. That’s why title insurance for vacant land is one of the smartest investments you can make.

In this blog, we’ll explain why Colorado title insurance for vacant land matters, what it covers, and how Jerad Larkin and Chicago Title Colorado protect land buyers, investors, and builders across the state.

Learn why title insurance is essential when buying vacant land in Colorado. Jerad Larkin and Chicago Title Colorado explain coverage, risks, and costs.

Why You Need Title Insurance on Vacant Land

Even if a property appears “clean,” problems can exist in the legal ownership record. Title insurance ensures that the land you buy truly belongs to you - free from past liens, disputes, or boundary issues.

Without title insurance, landowners risk:

Unrecorded easements restricting how you can use the property.
Old mining or water rights claims still attached to the land.
Clerical errors in past ownership transfers.
Fraudulent deeds or forged signatures.
Unpaid taxes or liens from previous owners.

What Title Insurance Covers for Vacant Land

Colorado title insurance protects against:

Ownership disputes or forged deeds.
Hidden liens, judgments, or unpaid taxes.
Boundary and survey conflicts.
Recording mistakes or missing documentation.

For vacant land, this is especially important because properties often pass through many hands or remain untouched for years - increasing the risk of outdated or missing records.

What’s Not Covered

While coverage is broad, it does not include:

Zoning or environmental issues.
Future disputes created after purchase.
Easements and restrictions already listed in the title commitment.

Cost of Title Insurance for Vacant Land in Colorado

Because title rates are regulated statewide, the cost is typically based on the purchase price:

Owner’s Policy: $1,000–$2,000 for most parcels.
Lender’s Policy: A few hundred dollars (if financing).
One-Time Fee: Paid at closing - no ongoing premiums.

How the Process Works

Open Title Order – Once you go under contract, the title company begins the ownership search.
Title Search & Commitment – Public records are reviewed, and a preliminary report is issued.
Resolve Title Issues – Any existing liens or restrictions are addressed.
Closing & Policy Issuance – Ownership transfers and the title policy is issued.

Why Choose Chicago Title Colorado

Jerad Larkin and Chicago Title Colorado specialize in land transactions across urban and rural Colorado. They provide:

Thorough title research including water, mineral, and easement rights.
Local expertise in complex county records.
Secure escrow services for large land purchases.
National financial backing for peace of mind.

Real-Life Examples

A Custer County buyer avoided a costly mining lien after title review uncovered it early.
A Douglas County investor appreciated the team’s quick turnaround on a 20-acre parcel.
A Boulder land buyer used Chicago Title’s research to verify boundary accuracy before building.

Conclusion

So, why is Colorado title insurance for vacant land essential?

Because even undeveloped land carries ownership risks. With Jerad Larkin and Chicago Title Colorado, you gain peace of mind knowing your property is free from hidden claims or legal surprises - and ready for whatever you build next.