DASK (Doğal Afet Sigortaları Kurumu) is Turkey’s compulsory earthquake insurance scheme. Premiums are set by the government under a regulated tariff — making DASK one of the most transparent insurance products in Turkey.
How are DASK premiums calculated?
DASK uses a fixed government tariff based on three factors:
1. Property floor area (m²)
The gross floor area of the insured property. Larger properties pay more.
2. Construction type
| Type | Description | Risk |
|---|---|---|
| Type 1 | Reinforced concrete, engineered | Lowest risk |
| Type 2 | Reinforced concrete, non-engineered | Medium-low |
| Type 3 | Masonry or brick | Medium-high |
| Type 4 | Prefabricated/steel frame | Medium |
| Type 5 | Other / unknown | Highest risk |
3. Earthquake risk zone
Turkey is divided into zones by seismic risk. Zone 1 (high risk, including Istanbul, Izmir) has the highest tariff. Zone 5 (low risk) has the lowest.
2026 indicative DASK premiums
Annual premiums in TRY, based on Type 1 construction (reinforced concrete):
| Zone | 50m² | 100m² | 150m² | 200m² |
|---|---|---|---|---|
| Zone 1 (Istanbul, Izmir) | ₺450–700 | ₺850–1,300 | ₺1,200–1,900 | ₺1,600–2,500 |
| Zone 2 (Ankara, Bursa, Antalya) | ₺350–550 | ₺650–1,000 | ₺950–1,500 | ₺1,250–2,000 |
| Zone 3–4 (Central/Eastern Anatolia) | ₺250–450 | ₺450–800 | ₺650–1,200 | ₺850–1,600 |
Older or lower-quality construction types pay 20–50% more. Premiums for 2026 may differ from above — contact us for a precise quote.
What is the maximum DASK coverage?
DASK policies cover up to the insured sum stated on the policy. The maximum insured sum per residential property is set by regulation — in 2026, approximately ₺640,000.
If your property’s full reconstruction value exceeds this, consider adding supplementary earthquake cover within a home insurance policy.
What about commercial properties?
Standard DASK only covers residential properties. For commercial premises, speak to us about business property insurance with earthquake cover.
How to get your DASK policy
You need:
- Your DASK policy number (from any previous policy), or
- Your title deed details (tapu number, address)
We issue DASK policies the same day. The policy document is delivered electronically and accepted for utility transfers, property sales and permit applications.
