Home sweet home; there are few things more valuable in life than our own personal space or the home we make for our families. Our place to live is often the most valuable commodity in our lives and the contents within are frequently not just expensive, but of great personal value.

It is vital to know exactly what you are looking for and what you need from your policy.

Why is home insurance necessary?  insurance

It’s easy to think that bad things happen to other people and not ourselves, but the facts suggest that isn’t a risk we can afford to take. About a quarter of households are not protected by any form of home insurance. With other unfortunate occurrences such as flood/storm damage, fire and more, threatening our homes and their contents, by not having insurance we are leaving ourselves open to serious financial loss.

Sunshine Property Management can now offer something for everyone with insurance for homeowners, tenants and landlords. Increasingly, mortgage lenders will insist that you have buildings insurance to obtain a mortgage.


DASK INSURANCE / Earthquake Insurance

DASK translates as The Turkish Catastrophe Insurance Pool (TCIP) and is a compulsory insurance issued by the Turkish Government. It is a ‘not for profit fund’ to provide insurance cover for properties within Turkey. It has been designed to protect the government from the financial burden of a major earthquake and claims from property owners, develop earthquake awareness and to provide a fund to pay people whose properties have been damaged by earthquake. The insurance is compulsory for all private dwellings including apartments in blocks and offices or other work spaces located within these types of buildings that are included on the land registry. A policy must be taken out every year and a fee paid.

The earthquake risk area DASK do point out that they only cover the ‘bare bones’ or rebuild costs and that additional cover should be taken out with a private insurance policy. Premiums are calculated on the basis of 5 earthquakes risk areas and 3 types of building construction methods to generate 15 unit prices that are multiplied by the area of the property in m2.

For more information don't hesitate to contact us .