A manufactured home can be insured if

A manufactured home can be included in title insurance coverage when it has been converted from personal property to real property. The strongest answer is that the motor vehicle title has been deactivated, the home is affixed, and it is assessed as real property. Merely having a vehicle title is the opposite of real-property treatment. Simply being located on the land or having a foundation is not enough if title remains personal property. A mortgage description alone does not convert the manufactured home into insurable real property. Pennsylvania law allows cancellation of a certificate of title for a mobile home permanently mounted on a foundation and affixed to real property, and PennDOT’s form specifically applies to manufactured homes permanently affixed to land.