Protecting your real estate investment goes beyond purchasing the right property. Insurance safeguards your home against unexpected events—from natural disasters to theft—preserving both the structure and your peace of mind.

Types of Property Insurance in Turkey

Turkish insurance providers offer several coverage tiers. Understanding the differences helps you select appropriate protection.

Compulsory Earthquake Insurance (DASK)

DASK (Doğal Afet Sigortaları Kurumu) is mandatory earthquake coverage required for all residential properties. You cannot obtain utility subscriptions—electricity, water, or gas—without a valid DASK policy.

Key points about DASK:

Covers structural damage from earthquakes and volcanic eruptions

Required for all title deed holders

Renewed annually

Does not cover contents or personal belongings

Premiums based on property size and location

Comprehensive Home Insurance (Konut Sigortası)

Beyond earthquake coverage, comprehensive policies protect against broader risks. A typical home insurance package includes:

Structural Coverage:

Fire and lightning

Explosion and smoke damage

Flood and water damage

Storm, heavy snow, and landslide

Vehicle or aircraft impact

Theft and vandalism

Contents Coverage:

Furniture and appliances

Personal belongings

Electronic equipment

Decor and fixtures

Additional Protections:

Third-party liability

Personal accident coverage

Legal protection expenses

Emergency assistance services

Alternative accommodation costs during repairs

Insurance Cost Guidelines

Premiums depend on property size, declared value, and selected coverage scope. Approximate annual costs for comprehensive policies:

Property Type	Estimated Annual Premium
1-bedroom apartment	~120 EUR
2-bedroom apartment	~160 EUR
3-bedroom apartment	~200 EUR
Detached house	~310 EUR

Actual quotes vary by location, property age, and specific coverage selections.

Choosing the Right Coverage

Three main policy categories exist:

1. Building Insurance — Covers only the structural elements of your property

2. Contents Insurance — Protects furniture, appliances, and personal items

3. Combined Home Insurance — Includes both building and contents in a single policy

Consider your property's location, age, and contents value when selecting coverage. Properties in seismic zones benefit from enhanced earthquake protection. Homes with valuable furnishings warrant comprehensive contents coverage.

Extended Coverage Options

Additional protections can be added to standard policies:

Glass breakage coverage

Electronic equipment protection

Rent loss compensation during repairs

Landscaping and outdoor fixture coverage

New value clause (replacement at current market rates)

Frequently Asked Questions

How do I purchase property insurance in Turkey?

Insurance companies operate throughout Turkey. Sun and Sky Real Estate assists clients with policy selection and enrollment as part of our after-sales services.

What determines insurance costs?

Premiums depend on total property area, declared value, coverage scope, and property location.

Does DASK cover my furniture and belongings?

No. DASK covers structural damage only. Contents protection requires separate or combined home insurance.

Can I choose the cheapest insurance available?

Price should not be the sole criterion. Evaluate coverage adequacy relative to risks in your area—especially earthquake probability.

Is building insurance enough for my property?

If your home contains valuable furniture or electronics, contents insurance provides essential protection. Combined policies offer complete coverage.

Sun and Sky Real Estate helps clients understand insurance options and connect with reputable providers. Contact us for guidance on protecting your Turkish property investment.