Evimiz, ya\u015fam\u0131m\u0131z boyunca edindi\u011fimiz en \u00f6nemli maddi ve manevi varl\u0131klar\u0131m\u0131zdan biridir. Ya\u015fam alanlar\u0131m\u0131z\u0131 tehdit eden do\u011fal afetler, yang\u0131nlar, dahili su tesisat\u0131 patlamalar\u0131 veya h\u0131rs\u0131zl\u0131k olaylar\u0131 \u00e7ok k\u0131sa s\u00fcrede ciddi maddi kay\u0131plara yol a\u00e7abilir. Bu kay\u0131plar\u0131 asgari seviyeye indirmek ve eski hayat d\u00fczenine h\u0131zla d\u00f6nebilmek i\u00e7in m\u00fclk sahiplerinin ve kirac\u0131lar\u0131n m\u00fclklerini do\u011fru poli\u00e7elerle korumas\u0131 tavsiye edilir.<\/p>\n
Do\u011fal Afet Sigortalar\u0131 Kurumu taraf\u0131ndan y\u00fcr\u00fct\u00fclen Zorunlu Deprem Sigortas\u0131 (DASK), depremin ve deprem sonucu meydana gelen yang\u0131n, patlama veya tsunaminin binalarda do\u011frudan olu\u015fturdu\u011fu maddi hasarlar\u0131 kar\u015f\u0131lar. Ancak DASK, kanunla belirlenmi\u015f azami bir teminat tavan\u0131na sahiptir ve sadece bina yap\u0131s\u0131n\u0131 g\u00fcvenceye al\u0131r; evdeki mobilyalar, elektronik e\u015fyalar ve binan\u0131n DASK limitini a\u015fan yeniden yap\u0131m bedeli bu poli\u00e7enin kapsam\u0131 d\u0131\u015f\u0131ndad\u0131r.<\/p>\n
Konut Sigortas\u0131 ise DASK g\u00fcvencesini tamamlayan \u00e7ok daha geni\u015f kapsaml\u0131 bir poli\u00e7edir. DASK limitinin \u00fczerinde kalan bina maliyetlerini kar\u015f\u0131laman\u0131n yan\u0131 s\u0131ra evin i\u00e7erisindeki e\u015fyalar\u0131 yang\u0131na, h\u0131rs\u0131zl\u0131\u011fa ve su bask\u0131n\u0131na kar\u015f\u0131 korur. \u00d6rne\u011fin \u00fcst kattaki kom\u015fudan s\u0131zan suyun parkelere veya boyaya zarar vermesi ya da tesisat patlamas\u0131 nedeniyle evi su basmas\u0131 gibi g\u00fcndelik hayatta s\u0131k\u00e7a ya\u015fanan olaylar konut sigortas\u0131 ile \u00e7\u00f6z\u00fcl\u00fcr.<\/p>\n
Konut poli\u00e7elerinde \u00e7o\u011fu zaman g\u00f6zden ka\u00e7an ancak \u00e7ok de\u011ferli olan bir teminat da \u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131s Mali Mesuliyet teminat\u0131d\u0131r. Evinizde patlayan bir su borusunun alt kattaki kom\u015funun dairesine zarar vermesi halinde ortaya \u00e7\u0131kan tadilat masraflar\u0131 bu teminat arac\u0131l\u0131\u011f\u0131yla \u00f6denir. B\u00f6ylece beklenmedik kazalar nedeniyle kom\u015fularla ya\u015fanabilecek hukuki ve maddi ihtilaflar\u0131n \u00f6n\u00fcne ge\u00e7ilmi\u015f olur.<\/p>\n
Kirac\u0131lar i\u00e7in de konut sigortas\u0131 b\u00fcy\u00fck avantajlar bar\u0131nd\u0131r\u0131r. Kirac\u0131 olan bireyler, bina teminat\u0131 almadan yaln\u0131zca kendi sahip olduklar\u0131 e\u015fyalar\u0131 poli\u00e7e kapsam\u0131na alabilirler. H\u0131rs\u0131zl\u0131k, elektronik cihaz ar\u0131zalar\u0131 veya yang\u0131n durumunda e\u015fyalar\u0131n rayi\u00e7 de\u011ferleri g\u00fcvenceye al\u0131nm\u0131\u015f olur. Ayr\u0131ca \u00e7ilingir g\u00f6nderimi, acil tesisat\u00e7\u0131 deste\u011fi ve cam k\u0131r\u0131lmas\u0131 gibi asistans hizmetleri de poli\u00e7eye entegre edilir.<\/p>\n
Do\u011fru bir konut sigortas\u0131 yapt\u0131r\u0131rken sigorta bedelinin do\u011fru saptanmas\u0131 kritik bir kurald\u0131r. Evin arsa pay\u0131 hari\u00e7 yeniden in\u015fa bedeli ile i\u00e7erideki e\u015fyalar\u0131n g\u00fcncel de\u011ferinin eksik bildirilmemesi gerekir. Kuzey Sigorta Arac\u0131l\u0131k Hizmetleri, binan\u0131z\u0131n ve e\u015fyalar\u0131n\u0131z\u0131n ger\u00e7ek de\u011ferlerini analiz ederek eksik sigorta riskine d\u00fc\u015fmeden huzurla ya\u015fayabilece\u011finiz poli\u00e7eyi olu\u015fturman\u0131zda destek sunar.<\/p>\n","protected":false},"excerpt":{"rendered":"
Deprem g\u00fcvencesinden e\u015fya teminat\u0131na kadar ya\u015fam alanlar\u0131n\u0131z\u0131 beklenmedik risklere kar\u015f\u0131 koruyan \u00e7\u00f6z\u00fcmler.<\/p>\n","protected":false},"author":0,"featured_media":21,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-20","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sigorta-acentesi"],"_links":{"self":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/posts\/20","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/comments?post=20"}],"version-history":[{"count":0,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/posts\/20\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/media\/21"}],"wp:attachment":[{"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/media?parent=20"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/categories?post=20"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hemenmedya.com.tr\/demo-wp\/sigorta-acentesi\/wp-json\/wp\/v2\/tags?post=20"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}