Ayazağa and Huzur: Insurance for New Residential Projects and Gated Complexes

Ayazağa and Huzur are Sarıyer neighbourhoods next to Maslak, known for new residential projects built as gated complexes. Their location close to the Maslak business district makes them a natural choice for many international employees. Buying or renting a home in a new complex is exciting, and in that excitement insurance usually comes last. Yet setting up insurance correctly from the start is essential so that the question “whose policy covers this?” never goes unanswered. This guide goes through what to do, in order, starting from handover.

Setting up insurance properly gives peace of mind in daily life, not just at claim time. Knowing which risk sits in which policy also makes it clear whom to contact when something goes wrong. You can use the headings below as a checklist.

The first step at handover: DASK

For homes with a title deed, DASK, the compulsory earthquake insurance, is mandatory under Law No. 6305 and is requested for title deed transactions and electricity and water subscriptions. In a new home, the title deed transfer and subscriptions usually happen in the same period, so the DASK policy is one of the first steps. The address is decisive in a DASK policy; in new projects, check that the address record is up to date and correct.

DASK covers earthquake damage to the building up to a set limit. If your home is worth more than this limit, or you want to protect your belongings against earthquake risk as well, you can discuss adding earthquake cover to your home insurance. See our DASK earthquake insurance page.

The line between the complex policy and your own

In many complexes, management takes out a policy for the common areas and the building. The existence of this policy does not mean individual home insurance is unnecessary. The complex policy usually considers shared elements such as lifts, pools and car parks, and the building itself. The belongings, renovation and fit-out inside your flat, and damage you might cause to neighbours, are mostly the subject of an individual policy. You can read about the general structure of these policies in residential complex package insurance.

We suggest asking management for the following:

• Which insurer holds the complex policy and the dates it is valid,
• Whether it covers the building or only the common areas,
• Whether independent units, meaning the flats, are included,
• What procedure management follows when there is damage.

Home insurance in a new home: what to look at

Moving into a new flat usually involves many investments: kitchen units, appliances, furniture, lighting and electronics. When home insurance is prepared, these should be declared as a realistic contents value. Understating it can lead to lower compensation than expected at claim time.

1. Renovation and fit-out: ask how changes made after handover are reflected in the policy.
2. Water damage: leaks from plumbing can happen in new buildings too; check cover both for your own home and for damage to the flat below.
3. Theft: even with complex security, find out the conditions of theft cover.
4. If you rent: remember the landlord’s policy usually does not cover your belongings.

Covered car parks and car insurance

In gated complexes, cars are often parked in covered car parks. That does not mean the car will never be damaged; scrapes while manoeuvring and damage in the car park are common. Traffic insurance, the compulsory motor third-party liability cover, is required under Law No. 2918, the Highway Traffic Law, and pays for the other party’s loss within policy limits. Damage to your own car needs kasko, which is comprehensive car insurance. If another car damages yours in the car park, we can review the policy conditions with you to see which policy applies.

A short checklist for moving in

• Prepare the DASK policy before the title deed and subscription steps.
• Ask management for a summary of the common-area policy.
• List your belongings and set an approximate value for home insurance.
• Report the change of address for policies at your old home.
• Update the address and contact details on your car policies.
• If you are new to Türkiye, have your foreign ID number (Yabancı Kimlik No) and residence permit details ready.

These tasks easily get mixed up during a move. By sharing address, building and contents details by phone or WhatsApp, we can arrange all your policies in one go.

New building, new home: common mistakes

• “The building is new, nothing will happen”: plumbing, glass or electrical damage can occur in new buildings too.
• “The complex policy covers everything”: the common-area policy generally does not cover the belongings inside your flat.
• Setting the contents value based on your old home: new furniture and appliances should be reflected in the value.
• Leaving DASK to the last day: if DASK is requested during the title deed or subscription process, the transaction can be delayed.
• Taking out no policy as a tenant: your own belongings and damage you might cause to neighbours are your responsibility.

None of these mistakes is complicated; each can be avoided with a short check during the move. Reviewing your policies before moving or in the first weeks lets you settle into your new home with peace of mind.

If you would like to sort out your insurance in one go when moving into your new home in Ayazağa or Huzur, visit our office at the Maslak Atatürk Oto Sanayi Sitesi, or call +90 530 375 89 61 or message us on WhatsApp for quotes from several insurers. We are glad to help in English and, with experience since 1996, will prepare your policy with you calmly.