Loans and Insurance
The Difference Between DASK and Home Insurance
What mandatory earthquake insurance (DASK) covers and doesn't cover, how it differs from optional home insurance, and how to choose the right coverage amount.
2 min read
In Turkey, homes are required to carry Compulsory Earthquake Insurance (DASK); a policy is required for title deed transactions and utility subscription applications. DASK provides important protection, but on its own it doesn't cover every risk to your home.
What does DASK cover?
- Direct physical damage to the building caused by an earthquake and earthquake-related fire, explosion, tsunami, or landslide.
- Building elements such as foundations, main walls, the load-bearing structure, staircases, and the roof.
What doesn't DASK cover?
- Household contents (furniture, appliances, electronics).
- Risks other than earthquake (fire, flooding, theft).
- Loss of profit, loss of rental income, and temporary accommodation costs.
- Damage exceeding the maximum coverage limit.
Home insurance (optional)
Home insurance covers a broad range of risks such as fire, flooding, theft, glass breakage, and electronic device damage, and with an add-on can also cover the portion of earthquake damage above the DASK limit. Tenants can also take out home insurance to cover their belongings.
| DASK | Home insurance | |
|---|---|---|
| Requirement | Mandatory | Optional |
| Coverage | Earthquake and earthquake-related damage only | Fire, water, theft, and selected add-ons |
| What it protects | The building | The building and/or contents |
| Limit | Maximum coverage set each year | Amount chosen in the policy |
This content is for general information only and is not a substitute for legal, financial or tax advice. Rates, amounts and legislation can change over time. Confirm current information with the relevant authority or a professional before proceeding with a transaction.