Title Insurance Claims in Georgia

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Title Insurance Claims

Does title insurance exist in Georgia?

No — such an insurance product does not exist on the market; the buyer is protected by the presumption of reliability of the public registry and the seller's contractual liability for legal defects.

How reliable is a registry entry?

Entries are deemed correct unless inaccuracy is proven; the acquirer on the basis of a transaction is protected by the entry under which the disposer was registered, unless it knew of its inaccuracy.

What is a legal defect?

A situation where a third person can assert against the buyer a claim from its rights; a non-existent right registered in the registry is equated to a legal defect.

What duty does the seller have in case of a defect?

Cure of the defect or, for generic goods, replacement within the necessary period; the costs of cure lie on the seller, though it may refuse in case of disproportionately large costs.

Can the thing be reclaimed from the possessor?

The owner may demand return where the possessor had no right to possess — hence the need to verify rights before acquisition.

5 min·9 Jan 2026

Title Insurance: What Exists in Georgia

Clarity first: the American title-insurance product — a policy protecting the acquirer from legal defects — does not exist on the Georgian market, and we have no direct analogue. What exists is a different system built on two mainstays: the reliability of the public registry and the seller's contractual liability for the legal faultlessness of the purchase. Correct use of these two instruments achieves what title insurance would otherwise achieve — the protection of the acquirer from legal defects that surface after the transaction has already been completed.

Title Insurance Claims

Does title insurance exist in Georgia?

How reliable is a registry entry?

Entries are deemed correct unless inaccuracy is proven; the acquirer on the basis of a transaction is protected by the entry under which the disposer was registered, unless it knew of its inaccuracy.

What is a legal defect?

A situation where a third person can assert against the buyer a claim from its rights; a non-existent right registered in the registry is equated to a legal defect.

What duty does the seller have in case of a defect?

Cure of the defect or, for generic goods, replacement within the necessary period; the costs of cure lie on the seller, though it may refuse in case of disproportionately large costs.

Can the thing be reclaimed from the possessor?

The owner may demand return where the possessor had no right to possess — hence the need to verify rights before acquisition.

5 min·9 Jan 2026

Title Insurance: What Exists in Georgia