Article
Home insurance is a type of insurance that protects your house against various risks such as fire, flooding, and theft. This insurance aims to prevent financial losses in case of any damage to the house. Additionally, home insurance also covers the household contents, providing broad protection for the policyholder. In the event of risks such as fire, theft, or flooding, home insurance quickly pays compensation, easing your financial burden.
DASK (Natural Disaster Insurance Institution) is a type of insurance that has been made mandatory for every building in Turkey. DASK only provides coverage for damages caused by earthquakes and related incidents. This insurance only covers the building's structure, and household contents and other natural disasters (e.g., floods or storms) are not covered by DASK. Therefore, DASK provides a limited form of protection, focusing solely on earthquake-related risks.
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WHAT TYPES OF COVERAGE DOES HOME INSURANCE PROVIDE?
Home insurance not only protects your house against various risks, but it also covers household contents. Risks such as fire, theft, flooding, and glass breakage are included in the coverage. Additionally, accidents or damage caused by others outside of natural disasters are also covered under home insurance. This makes home insurance a more comprehensive option.
If any damage occurs to the insured property, the policyholder can claim compensation based on the coverage outlined in the policy. Home insurance covers not only the household contents but also damage caused by external factors. For example, damage caused by others or water flooding from a neighbor's apartment is also covered by this type of insurance. This ensures broader protection.
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WHAT DAMAGES DOES DASK COVER?
DASK only covers damages caused by earthquakes and related incidents. This insurance compensates for the total or partial destruction of your building. Additionally, it covers damage resulting from earthquakes, including both property and personal losses. However, DASK only covers the building structure; household contents and damages caused by other natural disasters are not included in DASK's scope.
The coverage of DASK is limited to earthquakes; it only protects against damages occurring during an earthquake. For other natural disasters (e.g., floods, storms, landslides) or damages to household items, home insurance is required. While DASK focuses on protecting the building structure, home insurance provides broader coverage and protects against other potential risks.
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WHAT ARE THE PRICE DIFFERENCES BETWEEN HOME INSURANCE AND DASK?
The price of home insurance varies depending on factors such as the size of the house, the coverage, the insurance company, and any additional coverage options. The insurance cost may increase depending on the value of your home, the extent of coverage, and your specific needs. Additional coverage options such as fire, theft, and flooding can affect the cost. Also, the quality of customer services provided by the insurance company can influence the price.
DASK prices are more fixed and depend only on the building's structure, location, and construction style. Every home in Turkey must have a DASK policy, and its price is generally lower. Although prices may vary based on the size of the house and its location, DASK offers a more economical option as it is mandatory for every property. On the other hand, home insurance generally has higher premiums due to its broader coverage.
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WHAT ARE THE BIGGEST DIFFERENCES BETWEEN HOME INSURANCE AND DASK?
Home insurance and DASK are both types of insurance that protect homeowners from different risks, but their coverage differs significantly. Home insurance offers broad coverage against various risks inside and outside the home, while DASK only covers damages caused by earthquakes. Home insurance covers incidents such as fire, flooding, theft, fraudulent acts, glass breakage, and more, while DASK only protects against structural damages caused by earthquakes. Therefore, having both types of insurance will provide stronger protection for your home against many potential risks.
When deciding between home insurance and DASK, the choice should be based on your specific needs. Home insurance provides more extensive coverage, while DASK, which is mandatory by the government, focuses only on earthquake risks. If you want to protect your home against both earthquakes and other potential risks, it makes sense to have both types of insurance. This way, you can ensure financial security in any situation and minimize all risks.
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SHOULD I GET BOTH HOME INSURANCE AND DASK?
Getting both types of insurance will provide more comprehensive protection for your home. DASK is a mandatory insurance in Turkey that only covers earthquake risks. However, it is important to get home insurance to protect the household contents, as well as other risks like fire, theft, and flooding. Both types of insurance complement each other and provide complete coverage for both the building and its contents. In Turkey, DASK is a required policy, and it is essential for completing many government-related processes.
Home insurance provides coverage for risks that cannot be covered by DASK alone. In addition to protecting your home contents, getting coverage for damage caused by external sources ensures your living conditions are protected. Home insurance also covers damages caused by accidents and natural disasters other than earthquakes. Therefore, having both DASK and home insurance is the best option to ensure full protection for your home from all possible risks.
If you would like to get more information about the prices of home insurance and DASK, determine the best insurance policy for you, and receive detailed consultation, you can contact Fulya Duru Sigorta.
Fulya Duru Insurance : Here to Assist You with Your DASK and Home Insurance Needs Since 1989