{"id":2327,"date":"2022-09-08T10:16:39","date_gmt":"2022-09-08T10:16:39","guid":{"rendered":"https:\/\/toravilla.com\/?page_id=2327"},"modified":"2022-12-13T18:00:56","modified_gmt":"2022-12-13T18:00:56","slug":"mulk-sigortasi-ve-konut-sigortasi-nedir","status":"publish","type":"page","link":"https:\/\/toravilla.com\/ar\/mulk-sigortasi-ve-konut-sigortasi-nedir\/","title":{"rendered":"M\u00dcLK S\u0130GORTASI VE KONUT S\u0130GORTASI NED\u0130R?"},"content":{"rendered":"<p><strong>M\u00dcLK S\u0130GORTASI<\/strong><\/p>\n<p><strong>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\u201ckonut sigortas\u0131\u201d ve\u00a0\u201cDASK \u2013 zorunlu deprem sigortas\u0131\u201d\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.<\/strong><\/p>\n<p><strong>\u00a0<\/strong><strong>KONUT S\u0130GORTASI NED\u0130R?<\/strong><\/p>\n<p><strong>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.<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>DASK \u2013 Zorunlu Deprem Sigortas\u0131\u00a0Nedir?<\/strong><\/p>\n<p><strong>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\u2019la g\u00fcvence\u00a0alt\u0131ndad\u0131r.<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>Deprem Sigortas\u0131\u00a0ve Konut Sigortas\u0131n\u0131n Farklar\u0131 Neler?<\/strong><\/p>\n<p><strong>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.<\/strong><\/p>\n<p><strong>T\u00fcrkiye&#8217;deki t\u00fcm m\u00fclkler i\u00e7in DASK sigortas\u0131na ba\u015fvurmak i\u00e7in\u00a0a\u015fa\u011f\u0131daki belge ve bilgilere ihtiyac\u0131n\u0131z var:<\/strong><\/p>\n<ul>\n<li><strong>Vergi numaras\u0131 (Vergi Kimlik Numaras\u0131)<\/strong><\/li>\n<li><strong>Ki\u015fisel telefon numaras\u0131 (T\u00fcrkiye&#8217;de ge\u00e7erlidir)<\/strong><\/li>\n<li><strong>Do\u011fru m\u00fclk\u00fcn adresi<\/strong><\/li>\n<li><strong>M\u00fclk\u00fcn\u00fcz\u00fcn kat say\u0131s\u0131<\/strong><\/li>\n<li><strong>M\u00fclk\u00fcn\u00fcz\u00fcn yap\u0131m y\u0131l\u0131<\/strong><\/li>\n<\/ul>\n<p><strong>M\u00fclk sigortas\u0131n\u0131n maliyeti, bulundu\u011fu yere ve b\u00fcy\u00fckl\u00fc\u011f\u00fcne g\u00f6re de\u011fi\u015fir\u00a0.\u00a0TORAV\u0130LLA Emlak ekibi, m\u00fclk sigortan\u0131z\u0131 yapt\u0131rman\u0131z i\u00e7in size uygun bir rehber sa\u011flayacakt\u0131r.\u00a0<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>M\u00dcLK S\u0130GORTASI 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\u201ckonut sigortas\u0131\u201d ve\u00a0\u201cDASK \u2013 zorunlu deprem sigortas\u0131\u201d\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&#8230;<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mi_skip_tracking":false,"footnotes":""},"class_list":["post-2327","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>M\u00dcLK S\u0130GORTASI VE KONUT S\u0130GORTASI NED\u0130R? - Toravilla<\/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:\/\/toravilla.com\/ar\/mulk-sigortasi-ve-konut-sigortasi-nedir\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M\u00dcLK S\u0130GORTASI VE KONUT S\u0130GORTASI NED\u0130R? - Toravilla\" \/>\n<meta property=\"og:description\" content=\"M\u00dcLK S\u0130GORTASI Sigorta yapt\u0131rmak, oturdu\u011funuz ya da sahip oldu\u011funuz konutu \u00f6ng\u00f6r\u00fclmeyen risklerden koruman\u0131n ilk akla\u00a0gelen yoludur. 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