Compulsory Earthquake Insurance (DASK)
Earthquakes are, unfortunately, one of Turkey’s unchanging realities. Our country is almost entirely surrounded by fault lines, which means we all live with the risk of an earthquake. No matter in which city or region we live, we know that the earthquake risk is never zero. That’s why ensuring we do not suffer financial losses in a potential quake and protecting our home and savings is so important. This is exactly where DASK – Compulsory Earthquake Insurance comes in. Because while we cannot prevent the earthquake, it is fully within our responsibility to reduce the damage that may happen afterwards.
With this awareness, we act to be by your side to protect you, your family and your most valuable asset—your home. Compulsory Earthquake Insurance is not just a policy; it’s a smart precaution taken for the future, an investment full of peace.
The system offered by The Turkish Catastrophe Insurance Pool (DASK) ensures that all homeowners in Turkey are financially protected against the material damages an earthquake may cause. That means if your building suffers collapse, cracking, partial damage or becomes uninhabitable following an earthquake, DASK steps in under your policy and covers your insurance. This ensures that the necessary financial support for repairing or rebuilding your home is provided under insurance protection.
DASK not only provides individual security but also contributes significantly to the national economy. Because through the insurance system the financial burden on both citizens and the state is reduced after a disaster. This is one of the fundamental steps to build a resilient, sustainable living environment.
Why Is DASK So Important?
An earthquake might look like a shaking for a few seconds, but the marks it leaves can last a lifetime. Your home, the structure you built with years of effort, and even your future plans can be turned upside down in an instant. At that moment, DASK – Compulsory Earthquake Insurance – isn’t just a piece of paper; it becomes your greatest support to get back on your feet and continue life from where you left off.
The financial losses experienced after an earthquake make up the heaviest part of destruction for many families. For someone who has lost their home’s walls, memories and savings, starting over is not easy. DASK steps in right at this point and says “You are not alone.” When your building is damaged by an earthquake, you receive financial support according to the coverage in your policy. This support makes it possible to cover repair costs, rebuild the home and continue life.
But DASK is not just an obligation; it is actually a responsibility all of us bear. Because an earthquake affects not just one home, but an entire neighborhood, a city. Every person who takes out the insurance actually becomes part of social solidarity. DASK protects individuals and helps maintain economic stability nationwide. So this system exists not just for you, but for all of us.
We should see DASK not as a requirement, but as an investment in the future. Because none of us know when the next earthquake will come—but we decide whether we are prepared when it does. Compulsory Earthquake Insurance is your most solid support at that uncertain time.
Is DASK Mandatory?
Yes, DASK, or Compulsory Earthquake Insurance, is a legal requirement for all residential property owners in Turkey. So every building whose title deed is under your name needs to have this insurance. This is not just a formality; it’s an important step for your own safety and the resilience of your community.
DASK covers the following:
- All buildings registered as residential on the title deed,
- The independent units within those buildings,
- Flats with floor ownership or condominium rights,
- State‑allocated residences.
Whether you own a home or rent one, living in a building without a DASK policy is no longer possible. In fact, it is not even possible to open an electricity, water or natural gas subscription for a property without insurance. This shows how vital and legally required DASK is.
What Does DASK Cover?
DASK is an insurance designed to secure damage that may result from an earthquake, fire, explosion, tsunami or landslide. The core principle is that all physical damage to the building’s structural system is included within the defined coverage limits.
Under this scope, DASK covers the main structural elements of your building—from foundations and main walls, to shared walls separating units, stairs, landings and corridors. Structural components like elevator shafts, roofs, chimneys, ceilings and floor slabs may also be covered. In short, all the fundamental elements that keep your building standing are protected by DASK.
Of course, DASK only covers the main structure of the building; interior decoration, furniture or movable belongings are not included. For these items you need to take out a separate home insurance policy—and we can guide you so you fully protect your home and valuables.
How to Renew Your DASK Policy?
DASK policies are valid for one year. They must be renewed annually. When renewal time comes, your policy is automatically reminded. The renewal process takes just a few minutes and your coverage continues without interruption.
Remember, renewing your policy each year is not only a legal obligation, but also a conscious act of protection for you and your loved ones. With each renewal you may also benefit from discounts.
What Do We Offer?
We do not see insurance as just issuing a document, but as a relationship of trust. When creating your DASK policy, we offer you the most suitable coverage and handle the entire process clearly and transparently.
Our goal is not just to provide a policy; it is to be with you when you need us. In case of damage, we follow the process on your behalf and support you with all documentation and claim procedures. Because we know that insurance is not just a paper—it’s a sense of security.
DASK Premiums
Compulsory Earthquake Insurance (DASK) is a vital protection for every residence. However, premiums vary depending on the province and district, the size of the building, the type of construction and the risk group. Therefore, it is not possible to give a fixed price for every property.
To get the most accurate and current price for your DASK coverage and to learn about suitable coverage options, please contact us. Our expert team will help you determine the right insurance and guide you through the process in a simple and clear way.
