{"id":692,"date":"2018-07-30T16:05:24","date_gmt":"2018-07-30T13:05:24","guid":{"rendered":"https:\/\/www.unicosigorta.com.tr\/blog\/?p=692"},"modified":"2018-10-24T16:09:47","modified_gmt":"2018-10-24T13:09:47","slug":"konut-sigortasi-ve-dask-arasindaki-fark","status":"publish","type":"post","link":"https:\/\/www.unicosigorta.com.tr\/blog\/konut-sigortasi-ve-dask-arasindaki-fark\/","title":{"rendered":"Konut Sigortas\u0131 ve DASK Aras\u0131ndaki Fark"},"content":{"rendered":"

Sigorta yapt\u0131rmak, oturdu\u011funuz ya da sahip oldu\u011funuz konutu \u00f6ng\u00f6r\u00fclmeyen risklerden koruman\u0131n ilk akla\u00a0gelen yoludur. Zorunlu ya da\u00a0iste\u011fe ba\u011fl\u0131 sigortalar, konutu \u00e7e\u015fitli felaketlere ve hasara neden olan\u00a0beklenmedik\u00a0durumlara kar\u015f\u0131 g\u00fcvence alt\u0131na alman\u0131za\u00a0olanak tan\u0131r. Bu kapsamdaki g\u00fcvence\u00a0“konut sigortas\u0131” ve\u00a0“DASK – zorunlu deprem sigortas\u0131”\u00a0ile sa\u011flan\u0131r. Bu iki sigorta t\u00fcr\u00fc genellikle kar\u0131\u015ft\u0131r\u0131l\u0131r. Oysa ki bu\u00a0sigortalar\u0131n ortak noktas\u0131 konutunuz i\u00e7in g\u00fcvence sa\u011flamak olsa da, konut sigortas\u0131 poli\u00e7esi ve DASK poli\u00e7esi farkl\u0131 i\u00e7eriklere\u00a0sahiptir.<\/p>\n

Konut Sigortas\u0131 Nedir?\u00a0<\/strong><\/p>\n

Konut sigortas\u0131, evinizi ve dilerseniz evinizde bulunan e\u015fyalar\u0131, h\u0131rs\u0131zl\u0131k, yang\u0131n, su bask\u0131n\u0131 gibi beklenmeyen risklere kar\u015f\u0131 g\u00fcvence alt\u0131na alan iste\u011fe ba\u011fl\u0131 bir sigorta \u00e7e\u015fididir. Konut sigortas\u0131nda ama\u00e7, kar\u015f\u0131 kar\u015f\u0131ya gelebilece\u011finiz felaketlerde maddi zarar\u0131n\u0131z\u0131 en aza indirmektir. Sigorta \u015firketleri, sunduklar\u0131 konut sigortas\u0131 paketleri ile bir\u00e7ok riske kar\u015f\u0131 koruma sa\u011flar. Sigorta kapsam\u0131,\u00a0poli\u00e7ede belirlenen limitlere ve teminatlara g\u00f6re de\u011fi\u015fiklik g\u00f6sterir. \u00d6rne\u011fin, ya\u015fad\u0131\u011f\u0131n\u0131z binay\u0131 b\u00fct\u00fcn olarak sigorta ettirerek bina tesisatlar\u0131n\u0131 da kapsama dahil edebilirsiniz ya da poli\u00e7eye evin i\u00e7erisindeki ev e\u015fyalar\u0131n\u0131z\u0131 ilave edebilirsiniz. Evde bulunan e\u015fyalar\u0131n\u0131z\u0131 poli\u00e7e teminatlar\u0131na dahil etmek, yang\u0131n, su basmas\u0131\u00a0gibi sadece binan\u0131n zarar g\u00f6rmedi\u011fi, e\u015fyalar\u0131n da hasar g\u00f6rd\u00fc\u011f\u00fc\u00a0durumlarda maddi zarar\u0131n\u0131z\u0131 minimuma indirmenize destek olur. Konut sigortas\u0131<\/a> poli\u00e7esine\u00a0iste\u011fe ba\u011fl\u0131 olarak konutta meydana gelen bir hasar nedeniyle kira kayb\u0131 ya\u015fanmas\u0131, izolasyon\u00a0sebebiyle konutun zarar g\u00f6rmesi ya da kirac\u0131n\u0131n evde zarara neden olmas\u0131\u00a0gibi teminatlar da ilave edilebilir. Di\u011fer taraftan konut sigortas\u0131 yapt\u0131rmak\u00a0i\u00e7in ev sahibi olmak zorunlu de\u011fildir.\u00a0Ev sahipleri d\u0131\u015f\u0131nda kirac\u0131lar da sigorta yapt\u0131rarak kirac\u0131s\u0131 olduklar\u0131 evin i\u00e7erisinde bulunan e\u015fyalar\u0131n\u0131 koruma alt\u0131na alabilirler.<\/p>\n

DASK – Zorunlu Deprem Sigortas\u0131\u00a0Nedir?<\/strong><\/p>\n

Konut i\u00e7in koruma sa\u011flayan di\u011fer sigorta t\u00fcr\u00fc devlet taraf\u0131ndan sunulan zorunlu deprem sigortas\u0131d\u0131r. Zorunlu deprem sigortas\u0131, 17 A\u011fustos 1999 tarihinde ya\u015fanan b\u00fcy\u00fck Marmara depreminden sonra kanunla\u015farak zorunlu hale gelmi\u015ftir. Zorunlu deprem sigortas\u0131, deprem ve depremin neden oldu\u011fu yang\u0131n, yer kaymas\u0131, infilak, tsunaminin konutunuza verece\u011fi maddi zararlar i\u00e7in, poli\u00e7ede tan\u0131ml\u0131 limitler dahilinde koruma sa\u011flar. Bu kapsamda, u\u011fran\u0131lan maddi zararlar nakit olarak kar\u015f\u0131lan\u0131r. Tamamen ya da k\u0131smen hasar g\u00f6ren bina, DASK’la g\u00fcvence\u00a0alt\u0131ndad\u0131r.\u00a0Deprem sigortas\u0131\u00a0kapsam\u0131nda, temeller, ana duvarlar, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmleri ay\u0131ran ortak duvarlar, istinat duvarlar\u0131, bah\u00e7e duvarlar\u0131, tavanlar ve tabanlar, asans\u00f6r, merdivenler, \u00e7at\u0131, bacalar gibi b\u00f6l\u00fcmler yer al\u0131r.<\/p>\n

Deprem Sigortas\u0131\u00a0ve Konut Sigortas\u0131n\u0131n Farklar\u0131 Neler?<\/strong><\/p>\n

Deprem sigortas\u0131\u00a0ve konut sigortas\u0131 bir\u00e7ok a\u00e7\u0131dan farkl\u0131l\u0131k g\u00f6sterir. \u00d6ncelikle, zorunlu deprem sigortas\u0131,\u00a0devlet taraf\u0131ndan sa\u011flanan ve yapt\u0131r\u0131lmas\u0131\u00a0zorunlu olan bir sigorta t\u00fcr\u00fc iken, konut sigortas\u0131 iste\u011fe ba\u011fl\u0131 olarak yapt\u0131r\u0131l\u0131r. Deprem sigortas\u0131nda sigortal\u0131 tapu sahibidir, ancak konut sigortas\u0131 tapu sahibi veya kirac\u0131 taraf\u0131ndan yapt\u0131r\u0131labilir. Kirac\u0131n\u0131n yapt\u0131rd\u0131\u011f\u0131 konut sigortas\u0131 sadece e\u015fyalar\u0131 koruma alt\u0131na al\u0131r. DASK, depreme ve depremin do\u011frudan sebep oldu\u011fu risklere kar\u015f\u0131 koruma sa\u011flar ancak konut sigortas\u0131nda konut, poli\u00e7e kapsam\u0131nda\u00a0bulunan\u00a0risklere kar\u015f\u0131 sigortalan\u0131r. Yani, konut sigortas\u0131n\u0131n kapsam\u0131 deprem sigortas\u0131ndan\u00a0daha geni\u015f olabilir.\u00a0Ayr\u0131ca,\u00a0konut sigortas\u0131 yapt\u0131r\u0131rken deprem riskini de sigorta poli\u00e7esine dahil edebilirsiniz. Bu durum,\u00a0deprem sonucu meydana gelen zararlar\u0131n DASK poli\u00e7esinin limitlerini a\u015fmas\u0131 halinde ilave koruma sa\u011flar.\u00a0\u00c7\u00fcnk\u00fc, olu\u015fan zararlar, DASK poli\u00e7esinde belirlenen limitlerden fazlaysa DASK taraf\u0131ndan fazla olan k\u0131s\u0131m kar\u015f\u0131lanmaz. Konut sigortas\u0131 poli\u00e7esine deprem riskini ekleyerek, DASK<\/a> poli\u00e7esini a\u015fan zararlar\u0131 g\u00fcvence alt\u0131na alabilirsiniz.<\/p>\n

Konut sigortas\u0131 \u00fcr\u00fcnleri ve DASK –\u00a0Zorunlu Deprem Sigortas\u0131 i\u00e7in unicosigorta.com.tr sayfas\u0131n\u0131 inceleyebilirsiniz. Unico Sigorta’n\u0131n\u00a0“sigorta teklifi al”\u00a0hizmeti ile poli\u00e7enizi\u00a0 kolayl\u0131kla \u015fekillendirebilir, b\u00fct\u00e7enize ve beklentilerinize uygun konut sigortas\u0131 ve deprem sigortas\u0131 fiyatlar\u0131 ile tan\u0131\u015fabilirsiniz.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Sigorta yapt\u0131rmak, oturdu\u011funuz ya da sahip oldu\u011funuz konutu \u00f6ng\u00f6r\u00fclmeyen risklerden koruman\u0131n ilk akla\u00a0gelen yoludur. Zorunlu ya da\u00a0iste\u011fe ba\u011fl\u0131 sigortalar, konutu \u00e7e\u015fitli felaketlere ve hasara neden olan\u00a0beklenmedik\u00a0durumlara kar\u015f\u0131 g\u00fcvence alt\u0131na alman\u0131za\u00a0olanak tan\u0131r. Bu kapsamdaki g\u00fcvence\u00a0“konut sigortas\u0131” ve\u00a0“DASK – zorunlu deprem sigortas\u0131”\u00a0ile sa\u011flan\u0131r. Bu iki sigorta t\u00fcr\u00fc genellikle kar\u0131\u015ft\u0131r\u0131l\u0131r. Oysa ki bu\u00a0sigortalar\u0131n ortak noktas\u0131 konutunuz i\u00e7in g\u00fcvence […]<\/p>\n","protected":false},"author":4,"featured_media":282,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"amp_status":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[8],"tags":[182],"class_list":["post-692","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ev-aile","tag-konut-sigortasi-sigorta-teklifi-al-dask-zorunlu-deprem-sigortasi-deprem-sigortasi-fiyatlari"],"acf":[],"yoast_head":"\nKonut Sigortas\u0131 ve DASK Aras\u0131ndaki Fark -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.unicosigorta.com.tr\/blog\/konut-sigortasi-ve-dask-arasindaki-fark\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Konut Sigortas\u0131 ve DASK Aras\u0131ndaki Fark -\" \/>\n<meta property=\"og:description\" content=\"Sigorta yapt\u0131rmak, oturdu\u011funuz ya da sahip oldu\u011funuz konutu \u00f6ng\u00f6r\u00fclmeyen risklerden koruman\u0131n ilk akla\u00a0gelen yoludur. Zorunlu ya da\u00a0iste\u011fe ba\u011fl\u0131 sigortalar, konutu \u00e7e\u015fitli felaketlere ve hasara neden olan\u00a0beklenmedik\u00a0durumlara kar\u015f\u0131 g\u00fcvence alt\u0131na alman\u0131za\u00a0olanak tan\u0131r. Bu kapsamdaki g\u00fcvence\u00a0“konut sigortas\u0131” ve\u00a0“DASK – zorunlu deprem sigortas\u0131”\u00a0ile sa\u011flan\u0131r. Bu iki sigorta t\u00fcr\u00fc genellikle kar\u0131\u015ft\u0131r\u0131l\u0131r. 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Zorunlu ya da\u00a0iste\u011fe ba\u011fl\u0131 sigortalar, konutu \u00e7e\u015fitli felaketlere ve hasara neden olan\u00a0beklenmedik\u00a0durumlara kar\u015f\u0131 g\u00fcvence alt\u0131na alman\u0131za\u00a0olanak tan\u0131r. Bu kapsamdaki g\u00fcvence\u00a0“konut sigortas\u0131” ve\u00a0“DASK – zorunlu deprem sigortas\u0131”\u00a0ile sa\u011flan\u0131r. Bu iki sigorta t\u00fcr\u00fc genellikle kar\u0131\u015ft\u0131r\u0131l\u0131r. Oysa ki bu\u00a0sigortalar\u0131n ortak noktas\u0131 konutunuz i\u00e7in g\u00fcvence […]","og_url":"https:\/\/www.unicosigorta.com.tr\/blog\/konut-sigortasi-ve-dask-arasindaki-fark\/","article_author":"https:\/\/facebook.com\/unicosigorta","article_published_time":"2018-07-30T13:05:24+00:00","article_modified_time":"2018-10-24T13:09:47+00:00","og_image":[{"width":696,"height":435,"url":"https:\/\/www.unicosigorta.com.tr\/blog\/dosyalar\/2018\/01\/dask.jpg","type":"image\/jpeg"}],"author":"Unico Sigorta","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/x.com\/unicosigorta","twitter_misc":{"Yazan:":"Unico Sigorta","Tahmini okuma s\u00fcresi":"4 dakika"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.unicosigorta.com.tr\/blog\/konut-sigortasi-ve-dask-arasindaki-fark\/#article","isPartOf":{"@id":"https:\/\/www.unicosigorta.com.tr\/blog\/konut-sigortasi-ve-dask-arasindaki-fark\/"},"author":{"name":"Unico 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