36. DASK Insurance in Turkey: Importance and Necessity

DASK Insurance in Turkey

In Turkey, the potential for natural disasters, particularly earthquakes, looms as a constant threat. Given this reality, securing adequate insurance coverage is not just a prudent financial decision but often a legal requirement. Among the various insurance policies available, DASK (Deprem Sigortası), or the compulsory earthquake insurance, stands out as a crucial safeguard against the devastating consequences of seismic events. This article explores the significance of DASK insurance in Turkey and why acquiring it is imperative for homeowners.

Understanding DASK Insurance

DASK insurance is a mandatory policy mandated by the Turkish government to protect homeowners against damages caused by earthquakes. It provides coverage for structural damages to residential buildings, including apartments and houses, resulting from earthquakes. The policy covers repair or reconstruction costs up to a certain limit, depending on the assessed value of the property.

Importance of DASK Insurance

  1. Legal Requirement: One of the primary reasons for the importance of this insurance is its legal obligation. In Turkey, homeowners are required by law to obtain earthquake insurance within one year of acquiring their property. Failure to comply with this regulation can result in fines and penalties.
  2. Financial Protection: Earthquakes can inflict substantial damage to properties, leaving homeowners facing significant financial burdens. DASK insurance provides financial protection by covering repair or reconstruction expenses, thereby easing the financial strain on homeowners.
  3. Affordability: Despite the comprehensive coverage it offers, this insurance is relatively affordable. The premiums are calculated based on factors such as the location and structural characteristics of the property, making it accessible to a wide range of homeowners.
  4. Risk Mitigation: Turkey is situated in a seismically active region, making earthquakes a constant threat. DASK insurance plays a crucial role in mitigating the risks associated with such natural disasters. By transferring the financial burden of earthquake damages to insurance companies, homeowners can better cope with the aftermath of an earthquake.
  5. Peace of Mind: Knowing that their property is adequately insured against earthquake damages provides homeowners with peace of mind. In the event of an earthquake, they can focus on ensuring their safety and that of their loved ones, rather than worrying about the financial implications of property damage.
  6. Social Responsibility: Acquiring DASK insurance is not only a personal decision but also a social responsibility. It contributes to the overall resilience of communities against natural disasters by ensuring prompt recovery and reconstruction efforts.

Why You Should Buy DASK Insurance

  1. Legal Compliance: As mentioned earlier, purchasing DASK insurance is a legal requirement in Turkey. By obtaining this policy, you not only fulfill your legal obligations but also avoid potential fines and penalties.
  2. Financial Security: DASK insurance provides a safety net against the financial consequences of earthquake damages. It covers repair or reconstruction costs, protecting your investment in your property.
  3. Protection for Your Home: Your home is likely one of your most valuable assets. DASK insurance helps safeguard it against the unpredictable forces of nature, ensuring that you can rebuild or repair it in the event of an earthquake.
  4. Peace of Mind: Knowing that you have adequate insurance coverage in place can alleviate stress and anxiety, especially in regions prone to earthquakes. With DASK insurance, you can face the future with confidence, knowing that you are prepared for the unexpected.
  5. Support for Community Resilience: By purchasing DASK insurance, you contribute to the collective resilience of your community. In the aftermath of an earthquake, swift recovery efforts are crucial, and insurance plays a vital role in facilitating these efforts.


In conclusion, DASK insurance is not just a financial product but a critical tool for homeowners in Turkey to protect their properties against the devastating impact of earthquakes. Its importance cannot be overstated, given the constant threat of seismic events in the region. By complying with the legal requirement to purchase this insurance and recognizing its significance in providing financial security and peace of mind, homeowners can ensure that they are adequately prepared to face the challenges posed by earthquakes. Contact us today to receive the relative consult!