This is an estimated premium; the exact amount is determined by DASK/your insurance agency. The m² unit cost and maximum coverage change MONTHLY (DASK indexes them to the Producer Price Index) — the defaults are for July 1, 2026, please verify current values at dask.gov.tr and update the fields if needed.
Risk group 1 indicates the highest and 7 the lowest earthquake risk. You can look up your risk group on your existing policy or via dask.gov.tr.
These two values are updated by DASK every month based on the Producer Price Index. The defaults here are for the July 1, 2026 period — check the current values at dask.gov.tr and change them here if needed.
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Insured Amount (Coverage)
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Annual Premium (base)
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Premium Due
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Frequently Asked Questions
First the insured amount is found: your apartment's gross m² is multiplied by DASK's m² unit cost (this cannot exceed the maximum coverage; if it does, it is capped). Then the annual premium is found by multiplying this insured amount by the per-mille rate determined by your structure type (reinforced concrete/other) and earthquake risk group; if this is below your risk group's minimum premium, the minimum premium is applied instead.
The risk group is determined by DASK based on where your building falls on the earthquake hazard map (1 is the highest risk, 7 is the lowest). If you already have a DASK policy, it's printed on it; otherwise you can look it up on dask.gov.tr by entering your address, or ask an insurance agency.
DASK updates the m² unit cost and maximum coverage amount every month based on the Producer Price Index (PPI) to reflect rising construction costs. The default values in this tool are for the July 1, 2026 period; if you're calculating for a different month, check the current values on dask.gov.tr and enter them in the "Parameters" section.
Insurers may adjust the final premium based on certain additional risk/discount factors: buildings with 8 or more floors may get a surcharge while 1-3 floor buildings may get a discount; buildings built in 2000 or earlier (before the current earthquake code) may get a surcharge; renewing within 30 days before the policy's expiry may earn a discount. The rates in this tool (±10%/20%) are approximate values based on common practice — the exact rate can vary by insurer.
Yes, DASK is legally mandatory for all independent units subject to condominium law and all deed-registered residences; without DASK, water/electricity/natural gas subscriptions cannot be renewed and you cannot benefit from state aid after an earthquake. DASK only covers material damage to the building itself, up to the maximum coverage stated in the policy — it does not cover your belongings, structures outside the building, or loss of life/injury; a separate home contents or life insurance policy is needed for those.
No; this tool is for informational purposes only and is based on DASK's publicly available tariff/rate logic. The exact premium amount may vary depending on the accuracy of the information you enter, the current DASK parameters at that time, and any additional factors applied by your insurer. Always get a current and exact quote from dask.gov.tr or an insurance agency before purchasing a policy.
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