---
title: O.C.G.A. § 33-10-10. Title insurance, required reserves.
collection: code
id: 33-10-10
cite_as: O.C.G.A. § 33-10-10 (2025)
canonical_url: https://georgiacommons.org/code/33-10-10
md_url: https://georgiacommons.org/code/33-10-10.md
text_url: https://georgiacommons.org/code/33-10-10/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch1-22-(v24)-2020-pdf.pdf?sfvrsn=a873240d_0#page=474
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/code/33-10.md
previous: https://georgiacommons.org/code/33-10-9.md
next: https://georgiacommons.org/code/33-10-11.md
index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: INSURANCE / ASSETS AND LIABILITIES
---

# O.C.G.A. § 33-10-10. Title insurance, required reserves.

In addition to an adequate reserve as to outstanding losses as required under Code Section 33-10-5, a title insurer shall maintain a guaranty fund or unearned premium reserve of not less than an amount computed as follows:

(1) Ten percent of the total amount of the risk premiums written in the calendar year for title insurance contracts shall be assigned originally to the reserve; and

(2) During each of the 20 years next following the year in which the title insurance contract was issued, the reserve applicable to the contract may be reduced by 5 percent of the original amount of the reserve.

## History

Code 1933, § 56-911, enacted by Ga. L. 1960, p. 289, § 1; Ga. L. 2019, p. 337, § 1-58/SB 132.

The 2019 amendment, effective July 1, 2019, deleted ‘‘hereafter’’ following ‘‘risk premiums’’ in paragraph (1).

## Cross References

Definition of title insurance, § 33-7-8.