🏠 Earthquake Insurance (DASK)

What does this DASK calculator estimate?

This tool estimates the annual premium for Turkey’s compulsory earthquake insurance system, commonly known as DASK. It uses gross dwelling area, construction type, DASK risk group, tariff month, permit year, floor count and renewal status.

The calculation starts by determining the insured value from the gross area and the tariff unit value per square meter. It then applies the DASK maximum coverage limit, the tariff rate for the selected construction type and risk group, and the relevant policy modifiers.

What is DASK?

DASK is Turkey’s compulsory earthquake insurance system for dwellings. It provides protection within defined limits for certain earthquake-related damage risks under the compulsory earthquake insurance framework.

DASK should not be understood as a product that always covers the full market value of a home. It operates with tariff-based insured values, maximum coverage limits and defined policy conditions.

Who needs DASK in Turkey?

DASK is mandatory for the owner of record of a residential property in Turkey. This generally means the person or entity whose name appears on the title deed (tapu). Renters are not the policy holder — the landlord is responsible for the DASK policy on the dwelling.

For foreign residents and property owners in Turkey, DASK is relevant when buying an apartment, renewing a tapu-related transaction, or when a landlord asks for confirmation of coverage. It is also commonly required when connecting utilities for a newly purchased property.

How is the DASK premium calculated?

The main basis is the insured value. This value is calculated by multiplying the gross dwelling area by the unit value per square meter for the selected construction type. The result is capped by the DASK maximum coverage for the tariff month.

The insured value is then multiplied by the tariff rate for the selected construction type and risk group. The base premium may then be adjusted for pre-2000 permits, floor count and renewal status.

• Gross area determines the starting insured value.
• Construction type affects both unit value and tariff rate.
• Risk group changes the per-mille tariff rate.
• Maximum coverage caps the insured value.
• Minimum premium may apply when the calculated premium is too low.

Unit value per square meter and maximum coverage

The unit value per square meter is the tariff value used to calculate the insured value. DASK publishes separate values for reinforced concrete structures and other construction types. These values may change with the monthly tariff.

Maximum coverage is the upper limit applied to the insured value in the DASK calculation. Even if the area is large, the insured value used for DASK cannot exceed this cap.

What is a DASK risk group?

The DASK risk group is one of the most important variables in the tariff. The official tariff uses 7 risk groups and 2 construction types, creating 14 tariff rates.

This calculator asks the user to select the risk group. The risk group should not be guessed only from the city name; it should be checked through the DASK policy, dask.gov.tr or an authorized insurance channel.

Construction type: reinforced concrete or other

DASK separates construction type into reinforced concrete and other. Reinforced concrete generally refers to buildings with steel or reinforced concrete structural frames. Other construction types are grouped separately in the tariff.

Construction type affects both the unit square-meter value and the tariff rate. It should therefore be selected according to the building’s official construction information rather than visual guesswork.

Permit year, floor count and renewal status

The calculator applies additional modifiers for buildings with pre-2000 permits, floor count and renewal status. A pre-2000 permit can increase the premium, lower-rise buildings may receive a discount, higher-rise buildings may receive an increase and renewal may reduce the premium.

These fields must match the policy or building data. Renewal status matters because a renewed DASK policy can be priced differently from a first-time policy.

DASK vs home insurance

DASK is compulsory earthquake insurance. Home insurance is optional and can include much broader coverages such as fire, theft, water damage, contents, glass breakage or additional earthquake-related protections depending on the policy.

Having DASK does not automatically mean that household goods or the full market value of the home are insured. Users who want broader protection should also review home insurance and additional coverages.

• DASK is compulsory; home insurance is optional.
• DASK focuses on defined earthquake-related risks.
• Home insurance can include broader protections depending on the policy.
• DASK maximum coverage may be below the full market value of the property.

Example calculation: 100 m² reinforced concrete apartment, Group III

Using the June 2026 tariff, for a 100 m² gross-area reinforced concrete dwelling in Risk Group III, the calculator first multiplies the floor area by the unit value per m² to get the insured amount, checks it against the maximum coverage ceiling, then applies the Group III reinforced-concrete tariff rate (expressed in per mille). The resulting base premium is then checked against the minimum premium floor.

In this example, no renewal discount is applied, the construction permit is from 2000 or later, and the building has 4–7 above-ground floors. You can verify this example by entering the same values into the calculator.

Limits of this calculator

This tool does not issue an official policy and does not perform address-based risk-group lookup. It estimates the premium when the user enters the correct risk group and building information.

Contents insurance, optional home insurance, private earthquake add-ons, mortgage or title-deed checks and address-code verification are outside this calculator’s scope. Official verification should be made through DASK or an authorized insurer.