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Tariffs and Premiums

The premium payable for your policy is determined by the Compulsory Earthquake Insurance Tariff and Instruction.

To calculate your premium, first of all find the insurance amount (guarantee amount), which determines the highest limit you can receive after the earthquake.

Your premium is the guarantee amount is multiplied by the tariff.

There are 14 tariffs determined based on seven risk groups and two different building types:

Ratios on a regional basis by type of building (‰)

1st Group

2nd Group

3rd Group

4th Group

5th Group

6th Group

7th Group

A- Reinforced concrete

 2,56

 2,28

 1,94

 1,82

 1,36

 0,97

 0,66

B- Other

 4,51

 3,86

 3,39

 3,17

 2,54

 1,69

 0,99

Earthquake risk groups are determined using the Turkey Earthquake Zones Map, ground conditions and building characteristics and are published on the Turkish Catastrophe Insurance Pool’s website. 

The definition of the building styles specified in the above tariff is as follows:

A- Reinforced concrete: These structures use steel or reinforced concrete structures.

B- Other: They are structures that do not fall into the above groups.

Insurance premiums are increased each year in parallel with the increase in unit square meter costs.

Click here to calculate your insurance premium.

Account Management

In the calculation of the premium amount to be paid, first of all the insurance amount (guarantee amount) is calculated, which is then multiplied by the tariff. Accordingly, the premium amount to be paid is calculated by multiplying the insurance amount (guarantee amount), which is found by multiplying the unit square meter costs, which are determined each year depending on the type of the building, by the gross surface area of the dwelling and the tariff as determined in the Compulsory Earthquake Insurance Tariff and Instruction.

Insurance premiums increase each year in parallel with the increase in unit square meter costs. Premiums are paid in cash and in advance.

Click to calculate your home's Compulsory Earthquake Insurance (DASK in Turkish) premium.

Sample Premium Table

To help enable everyone to have Compulsory Earthquake Insurance, the TCIP seeks to keep the premiums within the purchasing power of the homeowners.

As of 01 January 2024, the square meter unit costs used in the calculation of the insurance amount (guarantee amount) and determined according to building type were as follows:

   

01.01.2024

01.02.2024

01.03.2024

01.04.2024

01.05.2024

01.06.2024

01.07.2024

01.08.2024

01.09.2024

01.10.2024

01.11.2024

01.12.2024

PPI Increase (%)

 

1,0114

1,0414

1,0374

1,0329

1,036

1,0196

1,0138

1,0194

1,0168

 1,0137

 1,0129

Reinforced Concrete Unit (TL)

6.000

6.068

6.320

6.556

6.772

7.015

7.153

7.252

7.392

7.517

 7.620

 7.718

Other Unit (TL)

4.000

4.046

4.213

4.371

4.514

4.677

4.769

4.834

4.928

5.011

 5.080

 5.145

Maximum Collateral Amount (TL)

1.272.000

1.286.501

1.339.762

1.389.869

1.435.596

1.487.277

1.516.428

1.537.355

1.567.179

1.593.508

 1.615.339

 1.636.177

 

 

 

 

 

 

 

 

 

 

 

 

 

 

01.01.2025

01.02.2025

01.03.2025

01.04.2025

PPI Increase   (%)

 1,0066

 1,0040

 1,0306

 1,0212

Reinforced Concrete Unit (TL)

 7.769

 7.800

 8.039

 8.209

Other Unit (TL)

 5.179

 5.200

 5.359

 5.473

Maximum Collateral Amount (TL)

 1.646.975

 1.653.563

 1.704.162

 1.740.291

 

 

 

 

 

 

 

 

 

 

 

 

 

(*) The specified costs are revised where necessary and announced in the Official Gazette.

(**) The maximum guarantee amount is TL 1.704.162 for all building types.

Sample premium calculations based on risk zones and building types are set out in the table below:

Premium Amounts According to Risk Zones and Building Types by Region

Housing Premium Amount of a 100 m2 dwelling in all provinces (TL)

 

 

Risk Zones Premium (TL)

Building Type

Guarantee

I

II

III

IV

V

VI

VII

Reinforced Concrete

(100 m2 x TL 8.039) 803.900

    2.060

  1.830

  1.556

  1.459

   1.096

   778

   531

Other

(100 m2 x TL 5.359) 535.900

    2.417

  2.069

  1.816

  1.698

   1.362

   908

   531

The premiums to be applied as of the policy start date of 01.04.2025 are as follows:

100 m2 Housing Premium Amount for All Provinces

RISK ZONES PREMIUM (TL)  

Building Style

Group I

Group II

Group III

Group IV

Group V

Group VI

Group VII

A-Reinforced Concrete (100 m2 * TL 8.209) TL 820.900

2.104

1.869

1.589

1.490

1.120

795

542

C-Other (100 m2 * TL 5.473) TL 547.300

2.468

2.113

1.854

1.734

1.391

927

542

 

 

 

 

 

 

 

 

 

 

 

 

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