Manufactured Housing Endorsement, the ALTA 7, is issued as affirmative coverage that the manufactured housing unit (including mobile homes) situated on the insured land is included in the policy definition of “Land”. The individual prefab pieces delivered to the site are considered personal property until they are erected into a finished unit and attached to the land, and the vehicular certificate of title has been surrendered so the improvements are classified as real property for tax purposes. The improvements must become part of the land as defined in the terms of the ALTA policies. This endorsement may be issued on either a loan or owner’s policy upon request.
A sample ALTA Endorsement 7 form.