{"id":297,"date":"2025-10-06T09:39:28","date_gmt":"2025-10-06T09:39:28","guid":{"rendered":"https:\/\/demo.webbankasi.com\/138\/?p=297"},"modified":"2025-10-06T09:42:20","modified_gmt":"2025-10-06T09:42:20","slug":"konut-sigortasi-nedir","status":"publish","type":"post","link":"https:\/\/demo.webbankasi.com\/138\/?p=297","title":{"rendered":"Konut Sigortas\u0131 Nedir?"},"content":{"rendered":"\n

Ev, sadece i\u00e7inde ya\u015fad\u0131\u011f\u0131m\u0131z bir yap\u0131 de\u011fil, ayn\u0131 zamanda en de\u011ferli varl\u0131klar\u0131m\u0131z\u0131 ve an\u0131lar\u0131m\u0131z\u0131 bar\u0131nd\u0131ran ya\u015fam alan\u0131m\u0131zd\u0131r. Ancak yang\u0131n, su bask\u0131n\u0131, f\u0131rt\u0131na veya h\u0131rs\u0131zl\u0131k gibi beklenmedik riskler, bu de\u011ferli varl\u0131\u011f\u0131 bir anda tehlikeye atabilir. \u0130\u015fte bu noktada Konut Sigortas\u0131<\/strong> devreye girer ve evinizi, i\u00e7indeki e\u015fyalar\u0131n\u0131z\u0131 ve b\u00fct\u00e7enizi bu risklere kar\u015f\u0131 koruma alt\u0131na al\u0131r.<\/p>\n\n\n\n

Peki, Konut Sigortas\u0131 tam olarak neyi kapsar, kimler yapt\u0131rmal\u0131 ve zorunlu deprem sigortas\u0131 (DASK) ile fark\u0131 nedir? \u0130\u015fte ev sahiplerinin bilmesi gereken en \u00f6nemli detaylar.<\/p>\n\n\n\n

Konut Sigortas\u0131 Nedir ve Neden Gereklidir?<\/h3>\n\n\n\n

Konut sigortas\u0131, evinizi ve iste\u011fe ba\u011fl\u0131 olarak evinizdeki e\u015fyalar\u0131n\u0131z\u0131, poli\u00e7ede belirtilen geni\u015f kapsaml\u0131 risklere kar\u015f\u0131 koruyan iste\u011fe ba\u011fl\u0131<\/strong> bir sigorta t\u00fcr\u00fcd\u00fcr. Amac\u0131, bir hasar durumunda onar\u0131m ve yenileme masraflar\u0131n\u0131 kar\u015f\u0131layarak, ev sahiplerinin b\u00fcy\u00fck bir finansal y\u00fck alt\u0131na girmesini engellemektir.<\/p>\n\n\n\n

Konut sigortas\u0131n\u0131 de\u011ferli k\u0131lan en \u00f6nemli neden, hayat\u0131n s\u00fcreklili\u011fini<\/strong> g\u00fcvence alt\u0131na almas\u0131d\u0131r. B\u00fcy\u00fck bir hasar sonras\u0131nda evinizi yeniden kurmak i\u00e7in birikimlerinizi t\u00fcketmenize gerek kalmaz; sigorta \u015firketi bu maliyeti \u00fcstlenir ve hayat\u0131n\u0131z\u0131 kald\u0131\u011f\u0131n\u0131z yerden devam ettirmenizi sa\u011flar.<\/p>\n\n\n\n

Temel Teminatlar: Konut Sigortas\u0131 Neleri Kapsar?<\/h3>\n\n\n\n

Konut sigortas\u0131, bir “paket sigorta” olarak adland\u0131r\u0131l\u0131r ve \u00e7ok say\u0131da teminat\u0131 tek bir poli\u00e7e alt\u0131nda birle\u015ftirir. Standart bir konut sigortas\u0131 poli\u00e7esinde genellikle \u015fu ana teminatlar bulunur:<\/p>\n\n\n\n

    \n
  • Yang\u0131n Teminat\u0131:<\/strong> Elektrik konta\u011f\u0131, k\u0131sa devre veya farkl\u0131 nedenlerle \u00e7\u0131kan yang\u0131n\u0131n, binada ve e\u015fyalarda olu\u015fturdu\u011fu zararlar\u0131 kar\u015f\u0131lar.
    <\/li>\n\n\n\n
  • Dahili Su Hasarlar\u0131:<\/strong> Evin tesisat\u0131nda, kalorifer sisteminde veya \u00e7at\u0131da meydana gelen s\u0131z\u0131nt\u0131, ta\u015fma ve patlamalar sonucu olu\u015fan su bask\u0131n\u0131 zararlar\u0131n\u0131 temin eder. Bu, en s\u0131k ba\u015fvurulan teminatlardan biridir.
    <\/li>\n\n\n\n
  • H\u0131rs\u0131zl\u0131k Teminat\u0131:<\/strong> Konuta zorla girilerek yap\u0131lan h\u0131rs\u0131zl\u0131k olaylar\u0131nda \u00e7al\u0131nan e\u015fyalar\u0131n bedelini ve binada olu\u015fan hasar\u0131 (kap\u0131\/pencere k\u0131r\u0131lmas\u0131 gibi) kar\u015f\u0131lar.
    <\/li>\n\n\n\n
  • Do\u011fal Afetler (Deprem Hari\u00e7):<\/strong> F\u0131rt\u0131na, sel, su bask\u0131n\u0131, dolu, yer kaymas\u0131 ve kar a\u011f\u0131rl\u0131\u011f\u0131 gibi deprem d\u0131\u015f\u0131ndaki do\u011fal afetlerin olu\u015fturdu\u011fu maddi zararlar\u0131 teminat alt\u0131na al\u0131r.
    <\/li>\n\n\n\n
  • Mali Sorumluluk:<\/strong> Sigortal\u0131 evin neden oldu\u011fu bir hasardan dolay\u0131 (\u00f6rne\u011fin su basmas\u0131 sonucu kom\u015fuya verilen zarar) \u00fc\u00e7\u00fcnc\u00fc \u015fah\u0131slara kar\u015f\u0131 do\u011facak tazminat taleplerini kar\u015f\u0131lar.
    <\/li>\n\n\n\n
  • Cam ve Ayna K\u0131r\u0131lmas\u0131:<\/strong> Pencerelerdeki, kap\u0131lardaki ve mobilyalardaki camlar ile aynalarda olu\u015fan kazai k\u0131r\u0131lmalar\u0131 temin eder.<\/li>\n<\/ul>\n\n\n\n

    Konut Sigortas\u0131nda Do\u011fal Afetler Maddesinin \u0130\u015flevi<\/h3>\n\n\n\n

    Konut sigortas\u0131nda belirtilen Do\u011fal Afetler<\/strong> teminat\u0131, \u00e7o\u011funlukla \u015funlar\u0131 kapsar:<\/p>\n\n\n\n

      \n
    1. Deprem D\u0131\u015f\u0131ndaki Afetler:<\/strong> Konut sigortas\u0131, DASK’\u0131n kapsamad\u0131\u011f\u0131<\/strong> di\u011fer do\u011fal afetleri (sel, su bask\u0131n\u0131, f\u0131rt\u0131na, dolu, kar a\u011f\u0131rl\u0131\u011f\u0131, toprak kaymas\u0131 gibi) teminat alt\u0131na al\u0131r.
      <\/li>\n\n\n\n
    2. Deprem Hasar\u0131 \u0130\u00e7in Ek G\u00fcvence:<\/strong> Konut sigortas\u0131, DASK’\u0131n zorunlu olarak sa\u011flad\u0131\u011f\u0131 teminat bedelinin \u00fczerinde kalan<\/strong> deprem hasarlar\u0131n\u0131 da kar\u015f\u0131lar. DASK’\u0131n belirli bir \u00fcst limiti vard\u0131r. Bu limit a\u015f\u0131ld\u0131\u011f\u0131nda devreye Konut Sigortas\u0131’n\u0131n Deprem Ek Teminat\u0131<\/strong> girer.<\/li>\n<\/ol>\n\n\n\n

      Ek Teminatlar ile Poli\u00e7eyi G\u00fc\u00e7lendirme<\/h3>\n\n\n\n

      Standart poli\u00e7e kapsam\u0131na ek olarak, konut sigortas\u0131 \u00e7e\u015fitli ek teminatlarla ki\u015fiselle\u015ftirilebilir ve g\u00fc\u00e7lendirilebilir:<\/p>\n\n\n\n

        \n
      1. Kira Kayb\u0131 Teminat\u0131:<\/strong> Hasar sonras\u0131 evin oturulamaz hale gelmesi durumunda, onar\u0131m s\u00fcresince mahrum kal\u0131nan kira gelirini veya kirac\u0131n\u0131n ge\u00e7ici konut masraflar\u0131n\u0131 kar\u015f\u0131lar.<\/li>\n\n\n\n
      2. Elektronik Cihaz Teminat\u0131:<\/strong> Televizyon, bilgisayar gibi elektronik cihazlarda voltaj de\u011fi\u015fikli\u011fi, k\u0131sa devre gibi nedenlerle olu\u015fan hasarlar\u0131 kapsar.<\/li>\n\n\n\n
      3. Hukuksal Koruma:<\/strong> Konutla ilgili hukuki anla\u015fmazl\u0131klarda ortaya \u00e7\u0131kacak avukatl\u0131k ve mahkeme masraflar\u0131n\u0131 belirli limitler dahilinde kar\u015f\u0131lar.<\/li>\n\n\n\n
      4. Enkaz Kald\u0131rma Masraflar\u0131:<\/strong> B\u00fcy\u00fck hasarlardan sonra hasarl\u0131 yap\u0131n\u0131n enkaz\u0131n\u0131n kald\u0131r\u0131lmas\u0131 ve temizlenmesi i\u00e7in yap\u0131lan masraflar\u0131 temin eder.<\/li>\n<\/ol>\n\n\n\n

        Asistans Hizmetlerinin Rol\u00fc<\/h3>\n\n\n\n

        Bir\u00e7ok konut sigortas\u0131 poli\u00e7esi, sadece hasar an\u0131nda de\u011fil, ayn\u0131 zamanda g\u00fcnl\u00fck acil durumlarda da devreye giren asistans hizmetlerini<\/strong> i\u00e7erir. Bu hizmetler genellikle \u015funlar\u0131 kapsar:<\/p>\n\n\n\n

          \n
        • Tesisat\u00e7\u0131 Hizmeti:<\/strong> Boru patlamas\u0131 veya su s\u0131z\u0131nt\u0131s\u0131 gibi acil tesisat sorunlar\u0131nda.<\/li>\n\n\n\n
        • Elektrik\u00e7i Hizmeti:<\/strong> Acil elektrik ar\u0131zalar\u0131 veya sigorta atmas\u0131 gibi durumlarda.<\/li>\n\n\n\n
        • \u00c7ilingir Hizmeti:<\/strong> Anahtar kaybetme veya kap\u0131da kalma durumlar\u0131nda.<\/li>\n<\/ul>\n\n\n\n

          Bu hizmetler sayesinde, k\u00fc\u00e7\u00fck ama can s\u0131k\u0131c\u0131 sorunlar i\u00e7in g\u00fcvenilir profesyonellere h\u0131zl\u0131ca ula\u015fabilir ve masraflar\u0131n\u0131z\u0131 sigortan\u0131za yans\u0131tabilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"

          Ev, sadece i\u00e7inde ya\u015fad\u0131\u011f\u0131m\u0131z bir yap\u0131 de\u011fil, ayn\u0131 zamanda en de\u011ferli varl\u0131klar\u0131m\u0131z\u0131 ve an\u0131lar\u0131m\u0131z\u0131 bar\u0131nd\u0131ran ya\u015fam alan\u0131m\u0131zd\u0131r. Ancak yang\u0131n, su bask\u0131n\u0131, f\u0131rt\u0131na veya h\u0131rs\u0131zl\u0131k gibi beklenmedik riskler, bu de\u011ferli varl\u0131\u011f\u0131 bir anda tehlikeye atabilir. \u0130\u015fte bu noktada Konut Sigortas\u0131 devreye girer ve evinizi, i\u00e7indeki e\u015fyalar\u0131n\u0131z\u0131 ve b\u00fct\u00e7enizi bu risklere kar\u015f\u0131 koruma alt\u0131na al\u0131r. Peki, Konut […]<\/p>\n","protected":false},"author":1,"featured_media":299,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-297","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/posts\/297","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=297"}],"version-history":[{"count":2,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/posts\/297\/revisions"}],"predecessor-version":[{"id":302,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/posts\/297\/revisions\/302"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=\/wp\/v2\/media\/299"}],"wp:attachment":[{"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=297"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=297"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/demo.webbankasi.com\/138\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=297"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}