Have you ever thought that your home sheltering you from rain, cold, and the dangers outside, needs protection also?
We has thought about it and designed My Home Insurance for you. My Home Insurance guarantees your home against damages ranging from fire to lightning; from impact of vehicles to burglary; and even against damages to be incurred by your electronic goods. Moreover, with comprehensive coverage! In addition, premium rebate is implemented in the annual home insurance premium from 10% up to 20%, if no damage is incurred (except earthquake) in the policy term.
With My Home Insurance Policy, anything, which comes to your mind, is under guarantee.
YOU WANT US TO LIST THEM.
- Fire
- Flood - inundation
- Storm
- Impact of land vehicles
- Impact of air vehicles
- Impact of sea vehicles
- Damages caused by smoke
- Landslide
- Strike, lockout, disorder, public acts, malicious acts
- Terror
- Snowdrift
- Window insurance
- Debris removal expenses
- Burglary
- Expenses for moving elsewhere due to damages
- Personal accident
- Damages to audio-visual equipment incurred as the result of accidents
- Personal third party liability
- Fire - explosion liability
- Rental loss and loss of use
- Electrical damages
NATURAL DISASTER INSURANCE INSTITUTION (TCIP- DASK)
TCIP indemnifies the material damages - which are caused by earthquakes and the fires, explosions, tsunami and landslide that are caused directly by the earthquake within the limits stated in your policy.
The building parts - which are mentioned below - are covered collectively or separately:
- Foundations
- Main walls
- Common walls separating the independent sections
- Garden walls
- Retaining walls
- Ceilings and basements
- Stairs
- Elevators
- Platforms
- Corridors
- Roofs
- Chimneys
Supplementary sections of the building which have similar qualities to those mentioned above
Maximum Sum Insured
With Compulsory Earthquake Insurance, TCIP aims at providing the insureds with the opportunity to go on with their lives after earthquake.
Expressing that "Earthquake will pass, and life will go on", TCIP provides maximum amount of insurance, which is determined every year as per the increase in the construction costs. Maximum sum insured amount given by TCIP is 150 thousand TL for all building types as of 1 January 2011.
While determining the sum insured amount, the re-building costs of the damaged building (excluding the land value) are taken into consideration.
Premium Calculation
Your premium amount is calculated based on three factors.
- Construction in earthquake risk zone
- Architectural style of the building
- Gross area of the apartment