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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.
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.
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
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.
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:
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:
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.