Insurance Products
DASK — Compulsory Earthquake Insurance
DASK is the compulsory earthquake insurance scheme in Türkiye. It covers damage to your building caused by earthquakes and by earthquake-induced fire, explosion, tsunami and landslide.
At a glance
- Status
- Required by law
- Core cover
- 4 sections
- Quote turnaround
- Same business day
DASK is mandatory for all residential dwellings within scope under Law No. 6305. A valid policy is required to start electricity, water and natural gas subscriptions, to complete title deed transactions and to obtain a mortgage. Properties without a policy are also excluded from post-earthquake state assistance.
DASK covers the structure itself: load-bearing systems, walls, foundations, roof, stairs, lifts and retaining walls. Contents, tenant belongings, loss of profit and debris removal are outside its scope. There is also an annually updated maximum coverage amount; if your building's real value exceeds it, the gap must be closed through the earthquake extension of a home insurance policy.
The premium is calculated from an official tariff based on earthquake risk zone, construction type (reinforced concrete, masonry, other), gross floor area and year of construction — it does not vary between insurers. What matters in DASK is therefore not comparison shopping but issuing the policy on time with accurate details.
What Is Covered
- Earthquake structural damage
- Covers damage to foundations, load-bearing systems, walls, roof and staircases.
- Post-earthquake fire and explosion
- Covers building damage from fires and explosions triggered by the earthquake.
- Landslide and tsunami
- Landslide and tsunami damage resulting from an earthquake falls within the policy.
- Shared areas
- Lifts, retaining walls, staircases and garden walls are also covered.
Who Is It For?
- All owners of registered residential units
- Mortgage borrowers and buyers completing a title transfer
- Homeowners and tenants starting utility subscriptions
- Flat owners in buildings under condominium ownership
What Is Not Covered
- Household contents, furniture and electronics (covered by home insurance)
- Workplaces, industrial facilities and purely commercial buildings
- Debris removal costs, loss of profit and alternative accommodation
- Illegal structures and sections built contrary to the approved plan
What Affects the Price
Premiums vary between insurers according to the factors below. We compare 27 partner insurers to find the best fit for your profile.
- Earthquake risk zone of the property
- Construction type: reinforced concrete, masonry or other
- Gross floor area in square metres
- Year of construction
Frequently Asked Questions
Is DASK compulsory?
Yes. It is legally required for all residential dwellings in scope, and proof is requested for utilities, title deeds and mortgages.
Does DASK cover my belongings?
No. DASK covers only the building. Contents require a home insurance policy.
What if the DASK limit is not enough?
Damage above the maximum amount is not paid. The earthquake extension of a home insurance policy closes that gap.
Does the DASK price differ between insurers?
No. The premium follows an official tariff and is identical everywhere. Only the property details change the price.