Home Insurance in Turkey: A Complete Guide for Buyers

Home Insurance in Turkey: A Complete Guide for Buyers

Buying a property in Turkey comes with responsibilities beyond the purchase price. One of the most important aspects is home insurance, which protects your property, belongings, and peace of mind. Here's a complete guide to understanding insurance options, costs, and coverage.

1. DASK – Mandatory Earthquake Insurance

⚠️ Turkey is located in an active seismic zone – DASK is compulsory for all property owners

DASK (Doğal Afet Sigortaları Kurumu) is mandatory for all residential properties, including foreign-owned homes.

Key facts:

• Covers structural damage caused by earthquakes.
• Required for all residential properties, including foreign-owned homes.
• Premiums depend on property size, construction type, and location.
• Typically ranges from 150 to 1,000 TRY per year for a standard apartment.

💡 Tip: DASK does not cover personal belongings or damage caused by other events (floods, fire, theft).

2. Additional Home Insurance

To fully protect your property and belongings, homeowners often purchase additional insurance.

Types of coverage include:

• Fire and natural disasters (beyond earthquakes)
• Theft and burglary
• Flood and water damage
• Liability coverage for accidents on your property

Cost:

• Depends on coverage and property value.
• Typically 1,000–3,500 TRY per year for a standard apartment.

✅ Tip: Choose a policy that matches your lifestyle. If you own expensive furniture, electronics, or jewelry, ensure these items are explicitly covered.

3. How to Choose an Insurance Provider

When selecting an insurance provider in Turkey, consider:

• Reputation and reliability of the company
• Clear explanation of coverage limits and exclusions
• Fast claims process
• Multilingual support if you are a foreigner

🏢 Largest insurers: Allianz Turkey, Anadolu Sigorta, Mapfre Sigorta

4. Practical Tips for Homeowners

• Always compare quotes from multiple insurers.
• Keep copies of all documents, including your DASK certificate.
• Check if your insurance covers temporary rentals if you plan to rent your property.
• Update your coverage when you make renovations or buy new valuable items.

“Many foreign buyers underestimate the importance of comprehensive home insurance in Turkey. DASK covers only earthquake damage — for full protection, a supplemental policy is essential.”

Conclusion

Home insurance in Turkey is essential for peace of mind. Mandatory DASK protects against earthquake damage, while additional insurance safeguards your property and belongings from fire, theft, and other risks. By choosing the right provider and coverage, you ensure your investment remains secure.

🏡 Your Turkish home, fully protected – DASK + comprehensive insurance = complete security

Quick Coverage Comparison

DASK · Zorunlu Deprem Sigortası · Konut Sigortası

Turkey Property Insurance Guide · 2026 · For International Buyers