From 1 July 2026, maximum coverage under Compulsory Earthquake Insurance rose to 2,407,723 TL, and the per-square-metre value for reinforced concrete to 11,357 TL.
The coverage that the Natural Catastrophe Insurance Pool (DASK) provides for homes under Compulsory Earthquake Insurance was updated again as of 1 July 2026. According to the Dünya newspaper's report of 9 June, the maximum coverage for a home rose to 2,407,723 TL. In June this amount was 2,343,283 TL.
Square-metre values
- Reinforced concrete buildings: 11,357 TL/m²
- Other buildings: 7,571 TL/m²
The rate of increase applied in the July update was 2.75%. The report noted that the maximum coverage rose by a total of 136,440 TL over the three months from May to July.
How is coverage calculated?
Under Compulsory Earthquake Insurance, the sum insured is found by multiplying the home's gross floor area in square metres by the unit value per square metre set according to the construction type. However, the resulting amount cannot exceed the maximum coverage amount. For example, in a reinforced concrete flat with a gross area of 120 m², the calculation is 120 × 11,357 = 1,362,840 TL; because this amount stays below the maximum limit, coverage is set this way. For larger homes, coverage is capped at the maximum amount.
Coverage amounts are updated monthly according to the change in the domestic producer price index (D-PPI) announced by TÜİK. The 1 July figures may therefore have changed in later months; when issuing a policy, the current amount should be confirmed with the insurance company or DASK.
Why does it matter?
- Before buying or selling: It helps keep the process on track if sellers and buyers check the policy's validity period and coverage amount before starting land registry and loan transactions.
- Adequacy of coverage: Because compulsory insurance is capped at a maximum amount, especially for large homes and villas, a home's rebuilding cost may remain above the coverage. Optional home insurance options can be considered for the difference.
- Holiday homes: In holiday homes in the Edremit Gulf that are used for only part of the year, the policy renewal date can easily be overlooked; keeping track of the term is important.
DASK's official website can be used for policy queries and current tariff information.
What to check when taking out a policy
- The address and UAVT (national address) code on the policy matching the information in the land registry,
- The gross square metres being written correctly; under-declaring also lowers the coverage,
- The construction type (reinforced concrete or other) being chosen correctly,
- Noting the policy expiry date in your calendar.
Two worked examples
With the 1 July figures, for a reinforced concrete villa with a gross area of 250 m², the calculation is 250 × 11,357 = 2,839,250 TL. Because this amount exceeds the maximum coverage, compulsory insurance coverage remains capped at 2,407,723 TL. For a 100 m² house in the "other buildings" class, coverage is calculated as 100 × 7,571 = 757,100 TL.
According to the report, the aim of the updates is for insurance coverage not to lose value against inflation and for policyholders to be better protected against economic losses after a possible earthquake.
