16. Variety of property insurance in Turkey

Property Insurance in Turkey

In Turkey, as in many other countries, there are various types of property insurance policies available to protect individuals and businesses from financial losses due to damage or loss of property. Here are some of the different types of property insurance in Turkey:

1. Homeowners Insurance (Konut Sigortası):

This type of insurance covers residential properties, including houses and apartments, against various risks such as fire, theft, vandalism, and natural disasters like earthquakes and floods. It typically includes coverage for the building structure and personal belongings. It is one of the most important property insurance in Turkey.

2. Earthquake Insurance (Deprem Sigortası / DASK):

DASK, or the “Doğal Afet Sigortaları Kurumu” in Turkish, is the Turkish Catastrophe Insurance Pool. It is a specialized government-backed insurance program in Turkey that provides earthquake insurance coverage to homeowners and renters. DASK was established in response to Turkey’s high susceptibility to earthquakes and the need to ensure that a significant portion of the population is protected against earthquake-related losses. Given Turkey’s susceptibility to earthquakes, this insurance is often purchased separately or as an add-on to homeowners’ policies. This type of property insurance in Turkey is so important and necessary to have it.

3. Fire Insurance (Yangın Sigortası):

Fire insurance covers damage caused by fires, explosions, and related perils. It is often included in homeowners’ insurance policies but can also be purchased as a standalone policy.

4. Flood Insurance (Sel Sigortası):

This insurance covers damage caused by flooding, including overflowing rivers, heavy rainfall, or storm surges. It is important in areas prone to flooding.

5. Landlord Insurance (Ev Sahibi Sigortası):

Landlords can purchase insurance to protect their rental properties against risks like damage caused by tenants, theft, vandalism, and loss of rental income.

6. Commercial Property Insurance (Ticari Bina Sigortası):

This insurance is designed for businesses and covers commercial properties and their contents against various risks, including fire, theft, and natural disasters.

7. Construction All Risk Insurance (İnşaat All Risk Sigortası):

This type of insurance is for construction projects and provides coverage for damage or loss of the building under construction, as well as liability coverage for accidents on the construction site.

8. Machinery Breakdown Insurance (Makine Kırılması Sigortası):

It covers the repair or replacement costs of machinery and equipment in case of breakdown or damage. This insurance is essential for businesses reliant on machinery.

9. Boat and Yacht Insurance (Tekne Sigortası):

Owners of boats and yachts can purchase insurance to cover their watercraft against damage, theft, and liability for accidents.

10. Catastrophe Insurance (Felaket Sigortası):

This type of insurance offers coverage for rare and catastrophic events that can cause extensive damage, such as tsunamis, volcanic eruptions, and large-scale natural disasters.

11. Contents Insurance (Eşya Sigortası):

This insurance covers the personal belongings and valuables of individuals within their homes or rented properties. It is often included in homeowners’ insurance but can be purchased separately.

12. Tenant Insurance (Kiracı Sigortası):

Tenants can protect their personal belongings and liability with tenant insurance. It is designed for individuals renting properties.


It’s important to note that insurance policies and coverage options may vary between insurance companies in Turkey. When choosing property insurance in Turkey, individuals and businesses should carefully review policy terms, coverage limits, and exclusions to ensure they have the appropriate protection for their specific needs. Additionally, some types of property insurance in Turkey, such as earthquake insurance, may be mandatory in certain regions of Turkey due to the high seismic activity.

Keep in touch:

Feel free to contact us for expert advice on selecting the optimal insurance solutions and reputable companies to meet your specific needs. Our experienced team is dedicated to guiding you through the multitude of options available, helping you make well-informed decisions that safeguard your assets and peace of mind. We’re here to ensure you choose the right property insurance in Turkey that provides the protection and coverage you require.