Sigortam.net draws attention to the right insurance combination for the security of homes

When Compulsory Earthquake Insurance (DASK) and Home Insurance are evaluated together, houses gain a much more comprehensive assurance. A holistic insurance approach is important to protect homes against both earthquake risk and unexpected risks of daily life.

The houses we live in constitute the most important living space of our lives. For this reason, it is of great importance that they are secured in order to prevent financial losses against possible risks. Both Compulsory Earthquake Insurance and Home Insurance constitute the basic elements of home security against unexpected situations, especially earthquakes.

DASK Covers Structural Damages

Compulsory Earthquake Insurance is offered by the Natural Disaster Insurance Institution (DASK) and covers material damages directly caused by earthquakes and related disasters such as fire, explosion, tsunami and landslide within the policy limits. It covers.

DASK premium; It is determined within the scope of the Compulsory Earthquake Insurance Tariff and Instruction, according to criteria such as the building's construction style, construction year, total number of floors, flat surface area and the city and district it is located in. 2% of the damage caused by a possible earthquake is covered by the insured within the scope of the exemption.

Compulsory Earthquake Insurance only covers structural damages occurring in the building. Home Insurance is required to secure the belongings inside the house.

Comprehensive Protection with Home Insurance

Home Insurance; It secures both the building and, optionally, the belongings in the house against risks such as fire, theft, flood, lightning, terrorism and damage to neighbors.

Expenses such as debris removal, moving and temporary residence expenses that arise after the damage can also be covered in line with the policy scope. In addition, with the loss of rent guarantee, the loss of income that occurs during periods when the house cannot be used due to damage can be compensated. Damage to electronic devices caused by electrical installations can also be included in the policy with additional coverage.

Home Insurance premiums; It is determined according to the city and district where the house is located, its square meter, building style, the floor it is located on, the total number of floors, the security measures taken and the guarantees selected. Depending on the need, policies that cover only goods or buildings and goods together can be preferred. Tenants, on the other hand, can only take out policies that include property coverage.

The Right Combination for Holistic Assurance

The assurance against earthquake risk, which begins with DASK, spreads to a much wider protection area with Home Insurance. The most effective way to protect homes against both natural disasters and risks that may be encountered in daily life is to evaluate these two insurances together.

Sigortam.net offers the opportunity to compare offers received from nearly 30 insurance companies on a single screen, allowing users to access the policy that suits their needs quickly and practically. Thus, homeowners and tenants can easily determine the coverage structure that suits their budget and needs.