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Real estate guide

Property Insurance and Warranties Guide

Compare property insurance and warranties in Türkiye by insured risks, exclusions, deductibles, limits, claim procedures and expiry dates.

40 knowledge topics
Property Insurance and Warranties Guide

Compare insurance coverage with the actual risk

Inventory the property, common areas, critical equipment and activities to decide which loss scenarios require protection. For every proposed policy read the insured risks, exclusions, limits, deductible, insured party, claim procedure and renewal date. Record warranties and construction defects separately from insurance promises, and establish what happens if ownership changes. Request written clarification for any ambiguous exclusion; an attractive premium alone cannot establish adequate protection.

Practical verification checklist

Coverage review: List insured assets, perils, exclusions, deductibles, limits, renewal dates and claim-notification requirements for each policy. Compare the policy schedule with the actual unit, shared areas and intended rental use. Keep photographs, inventory and maintenance evidence, and check gaps between compulsory cover and optional building, contents or liability protection.

JUANA Real Estate Editorial Team

Last reviewed: 2026-08-27

Content is reviewed against official and primary sources and updated when rules or information change.

Official review sources

Topics in this guide

Property Insurance Coverage Check

Property Insurance Coverage Check

A property-insurance coverage-check guide covering DASK and supplemental insurance, building versus contents, water, fire, theft, liability, loss of rent, limits, exclusions, deductibles and claims.

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Contractor Invoice and Warranty Archive

Contractor Invoice and Warranty Archive

Contractor Invoice and Warranty Archive: a practical guide to build a clear, evidence-based answer to the topic itself, with emphasis on current evidence, property and party identity, document version, unresolved conflicts and the transaction consequence before commitment.

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Property Insurance Renewal Calendar

Property Insurance Renewal Calendar

Use Property Insurance Renewal Calendar to build a clear, evidence-based answer to the topic itself. The guide separates verified facts from assumptions, records the competent source and date, and keeps any unresolved legal, technical, tax, payment or cost issue visible.

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Building Insurance Verification Guide Before Property Purchase

Building Insurance Verification Guide Before Property Purchase

A guide separating compulsory DASK from voluntary cover and verifying property/insured identity, policy period, insured amount, perils, exclusions, endorsements, finance conditions and evidence of issuance.

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Building insurance Workflow Guide

Building insurance Workflow Guide

A practical guide to voluntary building/home insurance in Türkiye: distinguish it from DASK, define the insured property, value, perils, extensions, exclusions and deductibles, verify beneficiary/mortgage and claims history, and retain the policy, endorsements and renewal evidence.

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Building insurance Risk Review

Building insurance Risk Review

For “Building insurance Risk Review”, the land-registry record must be separated from marketing descriptions. TKGM lists party identification and, where representation is used, the representation document among sale-transaction materials; the registered owner, independent-unit details and recorded restrictions remain the controlling evidence when descriptions conflict. Names, identity or passport data and property identifiers should therefore be reconciled before signature, and the registry output relied upon should be preserved with its retrieval date.

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Building insurance Decision Framework

Building insurance Decision Framework

For “Building insurance Decision Framework”, authenticity is established through the issuing authority and chain of acquisition, not by the appearance of a PDF or an institutional logo. If bank-account or payment instructions change by email or message, the change should be confirmed through an independent, previously verified channel before funds move; a genuine contract does not make later payment instructions automatically genuine. Official systems such as EİDS or Web Tapu prove only the elements within their scope and should not be used to legitimize unrelated data.

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Buyer Questions for Building insurance

Buyer Questions for Building insurance

Buyer Questions for Building insurance A buyer should ask whether the policy shown matches the exact unit/address and is current through the relevant handover/closing period. Check the insured party and policy number rather than accepting a generic building certificate. Ask separately what DASK covers and what additional policy covers: insured perils, building versus contents, liability, exclusions, limits and deductibles. Do not interpret “insured” as “all-risk.” For apartments, ask who insures common areas and major building systems, whether the management can provide current evidence, and what the buyer must arrange personally after transfer.

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Building Insurance Closing-Day Check

Building Insurance Closing-Day Check

Final closing-day check for valid property-matched DASK, issued required additional cover, no inception gap, lender-condition match, coverage limits and retained evidence.

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Building insurance Recordkeeping Guide

Building insurance Recordkeeping Guide

Keep the exact version used DASK’s coverage page identifies structural parts such as foundations, main and common walls, floors, stairs, elevators, corridors, roofs and similar complementary parts of the building. Good records prevent reuse of expired versions and allow the chronology to be proved on resale or dispute. DASK states that the policy term is one year and must be renewed annually, and that coverage responsibility ends at the policy expiry date if renewal does not occur.

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Building insurance Red Flags Guide

Building insurance Red Flags Guide

refusal to provide document reference material promise absent from contract DASK — Coverage and Scope — 15 August 2026 DASK — Compulsory Earthquake Insurance Terms — 15 August 2026 TKGM — Tapu ve Kadastro Genel Müdürlüğü — 15 August 2026 First identify the insurance product. DASK is compulsory earthquake insurance with defined scope, limits and exclusions; having DASK does not mean contents, lost rent or every building risk is insured. DASK states that owners whose dwelling value exceeds the compulsory maximum can obtain optional additional coverage for the excess, while the general conditions exclude various indirect losses and contents.

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Property Insurance Documents Recordkeeping

Property Insurance Documents Recordkeeping

A structured archive for property-insurance documents allows the owner or reviewer to reconstruct what was checked, which document version was relied upon and how exceptions were resolved. Good recordkeeping supports later management, audit and resale.

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Warranties and Guarantees Recordkeeping

Warranties and Guarantees Recordkeeping

Warranty recordkeeping should operate as a register of enforceable rights, not a folder of documents. For each warranty record the provider, covered asset or system, start and expiry dates, transfer conditions, exclusions, claim procedure and prior claims. On ownership change, distinguish warranties

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Counterparty Confirmation — Building insurance

Counterparty Confirmation — Building insurance

A decision-focused guide to Counterparty Confirmation — Building insurance: obtain independent confirmation of material facts from the responsible party or issuer instead of relying on a forwarded copy alone, preserve the controlling evidence, recheck material changes.

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Payment Release Gate — Building insurance

Payment Release Gate — Building insurance

A building-insurance payment gate for a voluntary or contract-required policy, checking the insured property, covers, sum insured, exclusions, premium status, validity and any lender interest before release.

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Independent Evidence Replication — Building insurance

Independent Evidence Replication — Building insurance

Shows how to independently verify a building policy through the insurer and SEDDK conditions, matching the property and reading coverage, exclusions and endorsements without confusing it with DASK or structural inspection.

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Pre-Commitment Freeze — Building insurance

Pre-Commitment Freeze — Building insurance

Creates a dated pre-commitment baseline of the building policy, endorsements, limits and exclusions so later insurance changes can be assessed against the terms the buyer actually relied on.

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Document Version Reconciliation — Building insurance

Document Version Reconciliation — Building insurance

How to reconcile a building-insurance policy, endorsements and renewals so the buyer identifies the operative coverage, amounts and risk changes rather than relying on the newest-looking document.

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Cost Consequence Trace — Building insurance

Cost Consequence Trace — Building insurance

A building-insurance cost review that separates premium from deductibles, underinsurance, valuation method, missing perils and payment timing to show the buyer’s true retained risk.

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Resale and Exit Review — Building insurance

Resale and Exit Review — Building insurance

A resale-focused review of building insurance covering change of interest holder, insurer notification, post-transfer risk changes, insurance value and the buyer’s confirmed policy position.

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Cross-Party Consistency Check — Building insurance

Cross-Party Consistency Check — Building insurance

Use Cross-Party Consistency Check — Building insurance to compare the same names, property identifiers, amounts, dates and obligations across every relevant party and document. The guide separates verified facts from assumptions, records the competent source and date, and keeps any unresolved legal, technical, tax, payment or cost issue visible.

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Closing-Day Recheck — Building insurance

Closing-Day Recheck — Building insurance

Closing-day building-insurance verification focused on live policy dates, premium payment, property identity, coverage, limits and the ownership-change steps required immediately after transfer.

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Insurance and Risk Management Records Risk Review

Insurance and Risk Management Records Risk Review

A risk review of insurance and risk-management records is intended to identify weaknesses that may be hidden by apparently complete paperwork. The review considers whether the records are current, authentic, internally consistent and aligned with the actual property or service. It also asks whether missing or inaccurate information could create legal, financial, safety or operating costs for the buyer.

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Insurance and Risk Management Records Decision Framework

Insurance and Risk Management Records Decision Framework

The decision framework for insurance and risk-management records converts document review into a controlled transaction decision. It is designed to prevent a buyer from proceeding merely because a document exists; the document must also be current, relevant, consistent and sufficiently verified.

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Insurance and Risk Management Records Recordkeeping

Insurance and Risk Management Records Recordkeeping

A structured archive for insurance and risk-management records allows the owner or reviewer to reconstruct what was checked, which document version was relied upon and how exceptions were resolved. Good recordkeeping supports later management, audit and resale.

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Source Freshness Review — Building insurance

Source Freshness Review — Building insurance

Use Source Freshness Review — Building insurance to confirm that the relied-on rule, registry extract, certificate or other evidence is current enough for the decision date. The guide separates verified facts from assumptions, records the competent source and date, and keeps any unresolved legal, technical, tax, payment or cost issue visible.

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Deadline Readiness Review — Building insurance

Deadline Readiness Review — Building insurance

Deadline Readiness Review — Building insurance explains how to confirm that required documents, approvals and responsible parties will be ready before the relevant contractual or filing deadline, how to match evidence to the same asset and decision date, and how to convert a discrepancy into a written condition rather than a vague assurance.

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Audit Trail Reconstruction — Building insurance

Audit Trail Reconstruction — Building insurance

Audit Trail Reconstruction — Building insurance: SEDDK publishes separate general conditions for fire insurance and for compulsory earthquake insurance, so a building policy should not be assumed to be DASK or to cover the same risks. The record focuses on Audit Trail Reconstruction within Building insurance.

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Insurance and Property Warranties Records Verification Guide

Insurance and Property Warranties Records Verification Guide

Verification of insurance and property-warranty records is a core due-diligence step. It helps the buyer compare the documents presented in the transaction with current official information and the actual condition of the property. The review should focus on authenticity, validity, scope, dates, responsible parties and any material inconsistency that could affect use, transfer, cost or future resale.

Read topic →
Insurance and Property Warranties Records Risk Review

Insurance and Property Warranties Records Risk Review

A risk review of insurance and property-warranty records is intended to identify weaknesses that may be hidden by apparently complete paperwork. The review considers whether the records are current, authentic, internally consistent and aligned with the actual property or service. It also asks whether missing or inaccurate information could create legal, financial, safety or operating costs for the buyer.

Read topic →
Insurance and Property Warranties Records Decision Framework

Insurance and Property Warranties Records Decision Framework

The decision framework for insurance and property-warranty records converts document review into a controlled transaction decision. It is designed to prevent a buyer from proceeding merely because a document exists; the document must also be current, relevant, consistent and sufficiently verified.

Read topic →
Insurance and Property Warranties Records Closing Day Check

Insurance and Property Warranties Records Closing Day Check

At closing, insurance and property-warranty records should be tested for continuity of real coverage. Verify the insured party, property, limits, deductibles, exclusions, expiry and open claims. Warranties should be reviewed separately because the responsible provider and claim conditions differ fro

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Insurance and Property Warranties Records Recordkeeping

Insurance and Property Warranties Records Recordkeeping

A structured archive for insurance and property-warranty records allows the owner or reviewer to reconstruct what was checked, which document version was relied upon and how exceptions were resolved. Good recordkeeping supports later management, audit and resale.

Read topic →
Insurance and Property Warranties Records Red Flags

Insurance and Property Warranties Records Red Flags

Red flags in insurance and property-warranty records are warning signs that the file may be incomplete, inaccurate, outdated or inconsistent with the actual property or transaction. A red flag does not automatically prove a defect, but it requires documented follow-up before the buyer relies on the record.

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Insurance and Engineering Warranties Records Verification Guide

Insurance and Engineering Warranties Records Verification Guide

Verification of insurance and engineering-warranty records is a core due-diligence step. It helps the buyer compare the documents presented in the transaction with current official information and the actual condition of the property. The review should focus on authenticity, validity, scope, dates, responsible parties and any material inconsistency that could affect use, transfer, cost or future resale.

Read topic →
Insurance and Engineering Warranties Records Risk Review

Insurance and Engineering Warranties Records Risk Review

A risk review of insurance and engineering-warranty records is intended to identify weaknesses that may be hidden by apparently complete paperwork. The review considers whether the records are current, authentic, internally consistent and aligned with the actual property or service. It also asks whether missing or inaccurate information could create legal, financial, safety or operating costs for the buyer.

Read topic →
Insurance and Engineering Warranties Records Decision Framework

Insurance and Engineering Warranties Records Decision Framework

The decision framework for insurance and engineering-warranty records converts document review into a controlled transaction decision. It is designed to prevent a buyer from proceeding merely because a document exists; the document must also be current, relevant, consistent and sufficiently verified.

Read topic →
Insurance and Engineering Warranties Records Closing Day Check

Insurance and Engineering Warranties Records Closing Day Check

This closing review covers both insurance and engineering warranties without treating them as the same instrument. Insurance review focuses on insured risks, limits and claims; engineering warranties focus on covered works or equipment, duration and conditions for preserving warranty rights. At clos

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Insurance and Engineering Warranties Records Recordkeeping

Insurance and Engineering Warranties Records Recordkeeping

A structured archive for insurance and engineering-warranty records allows the owner or reviewer to reconstruct what was checked, which document version was relied upon and how exceptions were resolved. Good recordkeeping supports later management, audit and resale.

Read topic →
Insurance and Engineering Warranties Records Red Flags

Insurance and Engineering Warranties Records Red Flags

Red flags in insurance and engineering-warranty records are warning signs that the file may be incomplete, inaccurate, outdated or inconsistent with the actual property or transaction. A red flag does not automatically prove a defect, but it requires documented follow-up before the buyer relies on the record.

Read topic →
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