Home Insurance

Have you ever thought that your home, which protects your family and protects you from rain, cold and outside dangers, also needs protection? You can get home insurance to protect your home, belongings and family against various risks. With home insurance, you can protect your home against all risks. Home insurance covers your home from floods and inundations to theft, from fire to lightning, and even damage to your belongings.

Home Insurance consists of 2 main coverages

Building coverage, all types of fixed installations are covered by this coverage.

Goods coverage, In case of any damage, your belongings will be damaged. Therefore, it is important to secure your home insurance together with your belongings when you get it.

Home insurance coverages

1. Main Coverages in Home Insurance

Fire coverage: Covers damage caused by fire, lightning and explosion.

2. Additional Coverages in Home Insurance

Home insurance coverages are expanded with additional coverages and more risks are secured.

Strikes, lockouts, riots, civil commotions and malicious acts: It covers the damages caused by such acts. For each damage, an exemption of 5% (five percent) of the damage amount is applied.

Flood/Inundation: It covers the damages caused by the overflow of rivers, streams, creeks and canals in the vicinity of the insured house and the waters that press from outside as a result of the flood caused by extraordinary rainfall.

Glass breakage: This coverage covers the damages that may occur as a result of the breaking of glass and mirrors that are fixed and vertical.

Personal accident: In the event that the insured dies as a result of an accident that occurs within the scope of the policy at the risk address, compensation is paid to the beneficiary, and in the event that the insured becomes permanently disabled, compensation is paid to the beneficiary within the limits and general conditions specified in the policy.

Theft: It covers the stolen items as a result of theft and the damages that the thief may cause to the building or items.

Assistance services: It provides plumbing, electrical, locksmith, glass and similar repair works, as well as emergency and contact services.

Inflation protection: This coverage ensures that buildings and belongings maintain their current value in an inflationary environment. An increase in the amount of the insurance amount is applied to the insurance amount by the inflation protection rate selected during the insurance period. However, if the rate selected on the date of the damage is above the rate announced by the State Institute of Statistics, the DIE rate is taken as basis.

Earthquake and volcanic eruption: It covers all damages that earthquakes and volcanic eruptions will directly cause on the insured values. In earthquake damages, it primarily pays within the compulsory earthquake insurance (DASK) limit. DASK policy provides coverage up to an upper limit determined by DASK. For the part exceeding this amount, the earthquake and volcanic eruption coverage included in the home insurance must be purchased optionally.

Domestic water: It covers damages that may occur in the house as a result of water installation bursting, overflowing, leaking, clogging, breaking and freezing, and damages that may occur in cases such as leaving the taps open.

Landslide: It covers damages to insured values ​​as a result of landslide or landslide occurring on or around the land where the insured building is built.

Vehicle collision: It covers damages to be incurred as a result of land and air vehicles hitting the insured residence.

Storm: It covers damages to be incurred as a result of a storm or objects carried or thrown by the wind during a storm.

Smoke: It covers damages caused by smoke emitted due to defective operation of heating and cooking devices connected to the chimney by a pipe or vent.

Snow weight: Snow accumulating on the roof after heavy rainfall can damage the roof, the building and the items inside due to its weight. Snow weight coverage covers damages to insured values ​​in the building and inside.

Fire financial liability and loss of rent: It covers damages that the insured, the tenant and the property owner may inflict on each other as a result of damage arising from their responsibilities.

Debris removal: It covers the transportation costs of the debris resulting from the damage.

Alternative residence change expenses: In the event that the insured residence becomes unusable as a result of damage, the cost of using the other residence while the damaged residence is being repaired and reconstructed is covered within the coverage and limit specified in the policy.

Home Insurance Assistance services

Plumbing service

Electrical installation service

Locksmith service

Glasswork service