When purchasing a property in Türkiye, several official steps must be completed both before and after the sale. One of the most important requirements is the mandatory property insurance known as DASK – Türkiye’s compulsory earthquake insurance. DASK must be issued before TAPU transfer and is also required to activate electricity and water subscriptions.

# What Is DASK?
DASK (Doğal Afet Sigortaları Kurumu) is a state-backed compulsory earthquake insurance system that covers damages caused by earthquakes and earthquake-related risks. All residential properties in Türkiye must have a valid DASK policy, and the policy must be renewed annually.

This insurance protects buyers and ensures transparency and security throughout the real estate transaction.

# When Is DASK Required?
A valid DASK policy is mandatory for:

• Title deed (TAPU) transfer  
• Opening water subscriptions  
• Opening electricity subscriptions  
• Annual renewal of existing property insurance  
• Certain rental and legal procedures  

For foreign investors, DASK is a necessary step before completing any official process related to the purchased property.

# Required Information for DASK Insurance
To issue a DASK policy, the following information is needed:

• Turkish Tax Number  
• Active Turkish phone number  
• Full property address  
• Building construction year  
• Total number of floors  
• Gross square meters of the apartment/villa  
• TAPU information (block, parcel, unit number)

Once the information is verified, the policy can be issued within minutes.

# Cost of DASK Insurance
DASK insurance is very affordable in Türkiye. The average annual cost is:

**100 – 150 TRY (per year)**

The price may vary depending on the location, age and size of the property.

# Validity Period of the Policy
The DASK policy is valid for **1 year** and must be renewed before the expiration date. An expired policy may delay official procedures such as utility activation.

# What Does Elka Homes Do for You?
Elka Homes manages the entire insurance process on behalf of foreign buyers:

• Issuing the mandatory DASK policy before TAPU  
• Preparing insurance documents required for electricity and water subscriptions  
• Verifying all information to ensure fast and accurate processing  
• Delivering your policy digitally and integrating it into all utility procedures  
• Providing optional home insurance (fire, theft, flood, interior contents, liability)

With Elka Homes, foreign investors can complete the entire insurance and utility setup process smoothly without dealing with bureaucracy.