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Home and Contents Insurance

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What is Home Insurance?

Home insurance is a type of insurance that protects our home from damages arising from theft, fire, earthquake, hail, flood and flooding within the coverage limits. It is also called home insurance and is optional, not compulsory.

What is Property Insurance?

Property insurance is a type of insurance that protects the items in our homes against many risks such as fire, theft, natural disasters within the coverage limits. Property insurance is optional and not compulsory.

Frequently Asked Questions About Home and Contents Insurance

Home insurance secures the house as empty. Property insurance, on the other hand, secures the belongings in the house in a possible situation within the limits of property insurance coverage.

Property insurance can be added to home insurance as additional coverage. You can contact our customer representatives to learn the differences between home and property insurance in detail.

No, home insurance is not compulsory. DASK insurance is compulsory for the dwelling. Only DASK insurance covers damages caused by earthquakes and earthquake-related natural disasters.

It protects your home and belongings against damages and losses that may occur as a result of many situations such as natural disasters, fire and theft. In addition

  • Heating equipment (Kombi) and air conditioning maintenance, locksmith service and free carpet cleaning service can be offered within the scope of the coverage.
  • Housing insurance covers your damages exceeding the maximum coverage amount of Compulsory Earthquake Insurance. DASK maximum coverage amount is 640 000 TL for 2023. If the damage to your home in an earthquake exceeds this amount, the housing insurance covers the remaining part of your damage. We especially recommend you to take out housing insurance in order not to be affected by the increases in construction costs.

Home insurance coverages are divided into two as main and additional coverages.

Fire insurance coverage in all policies is defined as the main coverage.

Fire insurance is a type of insurance that covers damages to buildings, residences and workplaces caused by smoke, vapour and heat resulting from fire, lightning strike and explosion.

The following additional guarantees of housing insurance can be included in the scope of coverage with an additional contract by adding the insurance costs to the policy.

  • Strikes, lockouts, riots, terrorism
  • Other fire additional coverage
  • Debris removal
  • Theft
  • Liability of the owner or tenant as a neighbour
  • Theft of valuables
  • Rent loss
  • Costs of change of residence
  • Legal protection depending on the immovable property
  • Housing benefit
  • Glass breakage
  • Personal accidents that may occur inside the insured dwelling
  • Electronic devices affected by problems in the electrical installation

In the event of a possible damage, the guarantees within the scope of home insurance are calculated based on the value of the property and building stated in the declaration of the policyholder. For this reason, home insurance coverage limits are not fixed and vary according to the value of the insured person's home and belongings.

Housing insurance premium prices vary according to the following items:

  • Building construction cost
  • Building type
  • Building age
  • Number of building storeys
  • Floor where the dwelling is located
  • Title deed status
  • Whether there is DASK insurance or not
  • Cost of goods insurance
  • The cost of property insurance is valid for those who want to have property insurance and for those who want to add property coverage to their home insurance. Additional coverage added to the policy also affects home insurance premiums.

The building cost is the reconstruction cost of the dwelling. The construction cost is not the sale value of the house. The building insurance value is calculated by multiplying the gross surface area of the dwelling and the unit square metre price determined according to the reconstruction cost.

The cost of property insurance is the total cost calculated for the repurchase and replacement of the goods at the date of insurance. When calculating the cost of the property insurance, the current prices of the insured items valid on the day the policy is made are taken as basis. In some policies, coverage is also calculated based on current prices with the inflation clause.

By filling out our application form, our customer service will contact you as soon as possible and you can ask all the questions you have in mind and get the most accurate offers suitable for your needs.

You can take out home insurance regardless of whether you are a homeowner or a tenant. However, you can only get building coverage if you are a landlord. If you are a landlord, it is possible to take out housing insurance with both property and buildings cover. If you are a tenant in your residence, you can protect your belongings with a property insurance with only property coverage.

No, housing insurance does not replace compulsory earthquake insurance. DASK insurance is compulsory and is only valid for material damages directly caused by earthquakes and earthquake-induced fires, explosions, tsunamis and landslides within the coverage in the policy.

Housing insurance no-damage discount is the discount that insurance companies provide to the person in the new period if the insured does not report any damage to the dwelling until the end of the policy. Not every insurance company may apply the no-claims discount application.

The validity period of housing insurance is 1 year as standard. When the period expires, it must be renewed before the time expires in order to benefit from the no-claims discount.

The following situations are excluded from home insurance coverage:

  • All damages incurred due to invasion, enemy movements, collision, civil war, civil war, rebellion, insurrection and military actions required by them, wars between countries
  • Damages caused by nuclear fuels or military actions
  • Losses arising from the disposals made by the public authority on the insured assets
  • Damage to the insured assets caused by their own defects, fermentation, scorching or deterioration without fire
  • Except for fire, damages arising from setting fire to the insured assets for a useful purpose, falling or throwing them to a place where there is a stove or fire, burning without flames such as burnt clothes, burnt goods, heating, lighting, ironing, contact with candles or cigarettes
  • Damages caused by existing defects, deficiencies or defects of the insured assets within the knowledge of the insured
  • Damages incurred as a result of being damaged while insured and used without repairing this damage
  • Intentional damages caused by the insured or persons responsible for their acts or cohabitants
  • Damages to the insured devices due to deformation, wear and tear of the containers and other mechanical events caused by low pressure damage
  • Terrorist acts and consequential damages
  • For detailed information about the situations that are not covered by housing insurance, please visit our article What are the situations not covered by housing insurance.

Yes, housing insurance can be cancelled as it is an optional type of insurance. You should prepare a petition for the cancellation of housing insurance and apply to the Arbitration Committee on Consumer Problems with the petition.

When you report damage to your home, an expert is appointed by your insurance company. The documents are examined and the process begins for the payment of damage compensation. After submitting the insurance documents, the insurance company determines the amount of damage and compensation within 15 days at the latest. After the file is approved, you can receive your payment within 30 working days.

Depending on the insurance company you have your home insurance with, your home insurance may not cover personal belongings such as jewellery and cash.

Boiler maintenance is not included in the main coverage of home insurance. If it is offered free of charge by your insurance company within the assistance services, you can have the boiler maintenance done free of charge, usually once a year. The scope of assistance services may vary according to companies.

If your insurance policy includes the additional coverage of neighbourly responsibility of the owner or tenant, the damages caused by water leakage are covered by your insurance company.

The answer to this question varies according to insurance companies, but according to the conditions specified in the policy, housing insurance can cover the costs of damages caused by roof leakage. However, at this point, insurance companies generally do not cover damages caused by human error. In addition, if there is "insulation costs" coverage in your policy; contamination, paint and whitewash costs caused by dampness, rain or snow are also covered.

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