Title Insurance Considerations
No title insurance policy should itemize or specify in Schedule A those parts of the land which once were chattels but have now become fixtures.
Any fixture, the ownership of which is different from the ownership of the remainder of the land, together with any claim of its ownership or liens affecting it the same, must be excluded from coverage through proper exceptions in Schedule B of the policy.
Severance of the fee and the improvements may render the improvements and fixtures not insurable.
No title insurance policy should be written on property on which a manufactured housing unit is located unless you obtain a Statement of Ownership and Location from the Texas Department of Housing and Community Affairs (TDHCA). This document must be marked "Election as Real Estate." It replaces all other title documents.