Settling in Turkey: Where DASK Earthquake Insurance Fits in a Nordic Resident's Household Setup
When you move to Turkey full-time rather than visiting on holiday, DASK — the compulsory earthquake insurance from the Doğal Afet Sigortaları Kurumu — stops being a closing-day formality and becomes part of running a household. For Nordic residents and retirees making Turkey home, it sits inside the same document chain as your residence permit and utility accounts, and it deserves a place in a wider protection plan for a property you actually live in every day.
DASK in the settling-in document chain
DASK is mandatory under Law No. 6305 for every residential property registered in the land registry within municipal boundaries. Practically, it links into the paperwork you are already assembling as a new resident: you needed it to complete the tapu, you need it to open electricity, water and gas, and the same documents folder also drives your residence application and bank setup. If you funded the purchase from the Nordics, the transfer trail in our Sending Money from Scandinavia to Buy in Turkey: The DAB Certificate and Your Bank Transfer sits right beside the insurance step, and the tax-status questions in our Turkey's VAT Exemption for Scandinavian Buyers: Who Qualifies and the Mistakes That Void It belong in the same settling-in checklist.
The 2026 numbers a resident should know
| Item | 2026 figure | Why it matters to a resident |
|---|---|---|
| Maximum sum insured | 2,095,462 TL per dwelling | Your structural cap — may be below full rebuild value |
| Minimum premium (lowest-risk group) | 565 TL | Floor cost even in low-risk areas |
| Minimum premium (highest-risk group) | 2,182 TL | Coastal and higher-hazard zones pay more |
| Renewal | Annual | Lapse can block utility and tapu changes |
| Old-limit claims | Paid at ~1.7M TL | Amend pre-2026 policies to the new cap |
The premium follows a state tariff: a per-m² rate by construction type (reinforced concrete vs other) multiplied by gross floor area and adjusted across seven earthquake risk groups under the 2018 hazard map. As a permanent home, your apartment is fully furnished and lived-in, which is exactly why the DASK minimum is rarely enough on its own.
Protecting a home you live in, not just insure
DASK answers one risk — earthquake damage to the building, up to the cap. It does not cover your contents, fire, flood, theft, or alternative accommodation while repairs happen. For a full-time resident that list is significant: it is your daily home, your belongings, and potentially your only base. A sensible Nordic resident treats DASK as the mandatory floor and layers a voluntary home policy on top. Keep the certificate filed with your long-term documents — alongside the cross-border succession planning in our Inheriting a Turkish Home as a Scandinavian Family: Cross-Border Succession, Wills and Tax in 2026 — so your household paperwork stays coherent.
Frequently asked questions
As a resident, is DASK part of my residence-permit paperwork? DASK is a separate compulsory policy under Law No. 6305, but in practice it sits in the same document chain: you need it for the tapu and to open utilities, and you keep it filed with the residence and bank documents you assemble when settling in. It is required every year you own the home.
Is the DASK minimum premium enough cover for my main home? Rarely. DASK only insures earthquake structural damage up to the 2026 cap of 2,095,462 TL, with minimum premiums from 565 TL (lowest risk) to 2,182 TL (highest risk). For a furnished, lived-in home you should add a voluntary policy for contents, fire, theft and alternative accommodation.
What happens to my cover after the 1 January 2026 change? The maximum sum insured rose to 2,095,462 TL from 1 January 2026. Policies not amended to the new figure are paid at the previous ~1.7 million TL cap at claim time, so a resident should confirm at renewal that the policy reflects the updated limit.