What Does Home Insurance Cover? Is DASK Enough on Its Own?
DASK only covers earthquakes and the building. What about fire, theft, flooding and your belongings? Here's the gap home insurance fills.
Updated: 2026-08-09 · 5 min read
Many homeowners think their home is fully safe once they have DASK. But DASK only covers earthquakes and the building's structure. For everyday risks like fire, theft and flooding — and for your belongings — you need home insurance.
What does home insurance cover?
- Fire, lightning, explosion and smoke damage
- Theft and attempted theft
- Flooding, internal water (burst pipe, leak) damage
- Glass breakage and natural events like storms
- Contents and electronics (furniture, appliances, devices)
- Third-party liability (e.g. water damage caused to a neighbour)
How does it differ from DASK?
DASK is mandatory but only for earthquakes and the structural part of the building; it does not cover your belongings or non-earthquake risks. Home insurance is optional and fills exactly this gap. That's why the ideal protection is the DASK + home insurance pairing.
Do I need home insurance as a tenant?
Yes. Although the building is usually the owner's responsibility, your belongings are yours. Contents cover and third-party liability are very valuable for tenants — for example, if water damage originating from you affects a neighbour, home insurance steps in.
As Seferihisar Sigorta we assess DASK and home insurance together and present coverage suited to the value of your home and belongings by comparing 30+ insurers.
Frequently Asked Questions
Is home insurance mandatory if I have DASK?
It is not mandatory but strongly recommended. DASK covers earthquakes and the building; home insurance covers fire, theft, flooding and your belongings.
Does home insurance cover my belongings?
Yes, contents cover protects your furniture, appliances and electronic devices.
As a tenant, what should I insure?
Your belongings and third-party liability. The building's structure is usually the owner's responsibility.