{"id":39,"date":"2024-01-06T09:06:15","date_gmt":"2024-01-06T09:06:15","guid":{"rendered":"https:\/\/www.mhfuysalsigorta.com\/?p=39"},"modified":"2024-01-12T09:52:45","modified_gmt":"2024-01-12T09:52:45","slug":"konut-sigortasi","status":"publish","type":"post","link":"https:\/\/www.mhfuysalsigorta.com\/?p=39","title":{"rendered":"Konut Sigortas\u0131"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"39\" class=\"elementor elementor-39\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-637b631 e-flex e-con-boxed e-con e-parent\" data-id=\"637b631\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a45f5f6 elementor-widget elementor-widget-text-editor\" data-id=\"a45f5f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><strong>Konut Sigortas\u0131 Nedir?<\/strong><\/p><p>Evinizde; h\u0131rs\u0131zl\u0131ktan su basmas\u0131na, elektronik aletlerin bozulmas\u0131ndan yer kaymas\u0131na v.b. m\u00fcdahale edemeyece\u011fimiz durumlara kar\u015f\u0131 sigortal\u0131y\u0131 g\u00fcvence alt\u0131na al\u0131r.<\/p><p><strong>Evim \u0130\u00e7in Sadece Dask Yapt\u0131rmak Yeterli Mi?<\/strong><\/p><p>Zorunlu deprem sigortas\u0131, DASK sigortas\u0131, yaln\u0131zca deprem i\u00e7in belli limitler dahilinde ge\u00e7erli bir \u00fcr\u00fcnd\u00fcr. Evin i\u00e7indeki e\u015fyalar ile k\u0131ymetli varl\u0131klar\u0131 g\u00fcvenceye almak i\u00e7in Zorunlu Deprem Sigortas\u0131\u2019n\u0131n yan\u0131nda bir de ev ve e\u015fya sigortas\u0131 yapt\u0131rabilirsiniz.<\/p><p><strong>Konut Sigortas\u0131 \u0130\u00e7in Hangi Belgeler Gerekli?<\/strong><\/p><p>Ev ve e\u015fya sigortas\u0131 yapt\u0131rmak i\u00e7in; evinize \u00f6zel poli\u00e7e haz\u0131rlanabilmesi i\u00e7in ev sahibi\/kirac\u0131 kimlik numaras\u0131, evin a\u00e7\u0131k adresi, evin metrekaresi, ev sahibiyseniz bina bedeli i\u00e7in ortalama in\u015fa maliyeti, DASK numaras\u0131, evdeki e\u015fyalar\u0131n toplam bedeli gibi bilgileri getirmeniz yeterlidir.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ad78d6 elementor-widget elementor-widget-image\" data-id=\"4ad78d6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/dask-768x349.jpg\" class=\"attachment-medium_large size-medium_large wp-image-86\" alt=\"\" srcset=\"https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/dask-768x349.jpg 768w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/dask-300x136.jpg 300w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/dask-1024x465.jpg 1024w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/dask.jpg 1100w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94029f1 elementor-widget elementor-widget-text-editor\" data-id=\"94029f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Teminatlar;<\/strong><\/p><p><strong>Deprem<\/strong><\/p><p>Deprem sonras\u0131nda, DASK-Zorunlu Deprem Sigortas\u0131\u2019n\u0131n limitini a\u015fan hasarlar\u0131 Deprem Teminat\u0131 kar\u015f\u0131lar.<\/p><p><strong>Yang\u0131n<\/strong><\/p><p>Yang\u0131n sonucu olu\u015fan duman, buhar ve hararetin sigortal\u0131 ev ve e\u015fyada neden oldu\u011fu maddi zarar, sigorta kapsam\u0131nda de\u011ferlendirilir.<\/p><p><strong>Yang\u0131n Mali Sorumluluk<\/strong><\/p><p>Sigortal\u0131 ev sahibi ise kirac\u0131ya, sigortal\u0131 kirac\u0131 ise ev sahibine kar\u015f\u0131 yang\u0131n durumunda ortaya \u00e7\u0131kan mali sorumluluk poli\u00e7e kapsam\u0131nda de\u011ferlendirilir. Konut sahibi veya kirac\u0131 olarak bulunulan konutlarda, yang\u0131n\u0131n kom\u015fu bina, konut veya e\u015fyalara zarar vermesi durumunun yaratt\u0131\u011f\u0131 zarar da teminat g\u00fcvencesinde de\u011ferlendirilir.<\/p><p><strong>H\u0131rs\u0131zl\u0131k<\/strong><\/p><p>H\u0131rs\u0131zl\u0131k sonucu \u00e7al\u0131nan ki\u015fisel, ev ve ziynet e\u015fyas\u0131 ya da h\u0131rs\u0131z\u0131n bina veya e\u015fyaya verece\u011fi zararlar\u0131 kapsar.<\/p><p><strong>Kira Kayb\u0131<\/strong><\/p><p>Ev sahipleri i\u00e7in poli\u00e7e kapsam\u0131nda ya\u015fanan vakalar sonucu olu\u015fan hasar nedeniyle m\u00fclk\u00fcn kullan\u0131lamaz hale gelmesi durumunda, kira alamama riski teminat alt\u0131ndad\u0131r. E\u011fer poli\u00e7e sahibi kirac\u0131ysa ve kiray\u0131 \u00f6dedi\u011fi halde poli\u00e7e kapsam\u0131nda ya\u015fanan hasar sonras\u0131 m\u00fclk kullan\u0131lamaz hale gelirse \u00f6denen kiran\u0131n i\u015flemeyen g\u00fcnlere kar\u015f\u0131l\u0131k gelen k\u0131sm\u0131 teminat alt\u0131na al\u0131n\u0131r.<\/p><p><strong>Enkaz Kald\u0131rma Masraflar\u0131<\/strong><\/p><p>Poli\u00e7e kapsam\u0131ndaki riskin ger\u00e7ekle\u015fmesi halinde olu\u015facak enkaz\u0131n kald\u0131r\u0131lmas\u0131 i\u00e7in gerekli olan masraflar\u0131n teminat\u0131d\u0131r.<\/p><p><strong>Elektrik Hasar\u0131na Ba\u011fl\u0131 G\u0131da Bozulmas\u0131<\/strong><\/p><p>\u015eim\u015fek, y\u0131ld\u0131r\u0131m gibi atmosferik vakalarda ve normal veya anormal bir elektrik ak\u0131m\u0131n\u0131n meydana gelmesiyle konutta bulunan sigortal\u0131 elektronik cihazlara zarar gelmesi durumunda bozulan g\u0131dalar\u0131n mali masraflar\u0131, poli\u00e7e taraf\u0131ndan limitler dahilinde kar\u015f\u0131lan\u0131r.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a78cfb6 elementor-widget elementor-widget-image\" data-id=\"a78cfb6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/fire-2946038_1280-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-image-92\" alt=\"\" srcset=\"https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/fire-2946038_1280-768x512.jpg 768w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/fire-2946038_1280-300x200.jpg 300w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/fire-2946038_1280-1024x682.jpg 1024w, https:\/\/www.mhfuysalsigorta.com\/wp-content\/uploads\/2024\/01\/fire-2946038_1280.jpg 1280w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b5dc94 elementor-widget elementor-widget-text-editor\" data-id=\"7b5dc94\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Ek Teminatlar<\/strong><\/p><p>Dahili Su, Kara, Deniz, Hava Ta\u015f\u0131tlar\u0131 \u00c7arpmas\u0131<\/p><p>Poli\u00e7e s\u00fcresi boyunca konuta kara, deniz, hava ta\u015f\u0131t\u0131 \u00e7arpmas\u0131 sonucu ya\u015fanacak zararlar, sigorta teminat\u0131nda de\u011ferlendirilir.<\/p><p><strong>Kazaen K\u0131r\u0131lma<\/strong><\/p><p>Konut i\u00e7erisinde bulunan ve poli\u00e7e kapsam\u0131nda de\u011ferlendirilen e\u015fyan\u0131n kazayla k\u0131r\u0131lmas\u0131 sonucunda meydana gelecek maddi zararlar teminata d\u00e2hildir.<\/p><p><strong>Duman, Sel, Su Bask\u0131n\u0131, K\u00f6t\u00fc Niyetli Hareketler, Ter\u00f6r, Kar A\u011f\u0131rl\u0131\u011f\u0131, Yer Kaymas\u0131 Bina Sabit Tesisat\u0131 \u0130\u00e7in H\u0131rs\u0131zl\u0131k Teminat\u0131<\/strong><\/p><p>Duman, sel, su bask\u0131n\u0131, k\u00f6t\u00fc niyetli hareketler, ter\u00f6r, kar a\u011f\u0131rl\u0131\u011f\u0131, yer kaymas\u0131, bina sabit tesisat\u0131 durumlar\u0131 esnas\u0131nda konutta ya\u015fanacak h\u0131rs\u0131zl\u0131k durumlar\u0131nda, poli\u00e7e kapsam\u0131nda de\u011ferlendirilen e\u015fyan\u0131n \u00e7al\u0131nmas\u0131yla olu\u015fan mali zarar kar\u015f\u0131lan\u0131r.<\/p><p><strong>Su Bask\u0131n\u0131<\/strong><\/p><p>Sel d\u0131\u015f\u0131nda da tesisat sorunlar\u0131 ve her t\u00fcrl\u00fc su bask\u0131n\u0131 sebepleri, sigorta kapsam\u0131ndad\u0131r.<\/p><p><strong>\u00dc\u00e7\u00fcnc\u00fc \u015eah\u0131slara Kar\u015f\u0131 Mali Sorumluluk<\/strong><\/p><ol start=\"3\"><li>\u015fah\u0131slara kazayla verilen maddi ve bedensel zararlardan do\u011fabilecek tazminat talepleri teminat kapsam\u0131ndad\u0131r.<\/li><\/ol><p><strong>Dolu<\/strong><\/p><p>Dolu ya\u011f\u0131\u015f\u0131 sebebiyle sigorta kapsam\u0131nda bulunan konut ve e\u015fyaya gelen zarar teminat alt\u0131ndad\u0131r.<\/p><p><strong>Kirac\u0131y\u0131m, Sadece E\u015fyalar\u0131m \u0130\u00e7in Konut Sigortas\u0131 Yapt\u0131rabilir Miyim?<\/strong><\/p><p>\u0130ster kirac\u0131 olun, ister ev sahibi ev ve e\u015fya sigortas\u0131 yapt\u0131rabilirsiniz. Ev sahibi iseniz, hem e\u015fyalar\u0131n\u0131z\u0131 hem evinizi g\u00fcvence alt\u0131na al\u0131rken, kirac\u0131 iseniz sadece e\u015fyalar\u0131n\u0131z\u0131 yang\u0131n, h\u0131rs\u0131zl\u0131k, su bask\u0131n\u0131, deprem gibi pek \u00e7ok riske kar\u015f\u0131 sigortalatabilirsiniz.<\/p><p><strong>Konut Sigortas\u0131 Kom\u015fuya Verilen Zararlar\u0131 da Kar\u015f\u0131lar M\u0131?<\/strong><\/p><p>Evinizde yang\u0131n, su bask\u0131n\u0131 gibi zararlar\u0131n oldu\u011fu durumlarda kom\u015fu evlere verebilece\u011finiz zararlar da poli\u00e7edeki limitler dahilinde kar\u015f\u0131lanmaktad\u0131r.<\/p><p><strong>Apartmandaki Ortak Alanlarda Olu\u015fan Zararlar\u0131 Konut Sigortam Kar\u015f\u0131lar M\u0131?<\/strong><\/p><p>Bina ortak kullan\u0131m alanlar\u0131 olan merdiven, merdiven bo\u015fluklar\u0131, asans\u00f6r bo\u015fluklar\u0131, makineleri, garaj, sabit y\u00fczme ve s\u00fcs havuzlar\u0131, \u00e7at\u0131 malzemeleri, bacalar, su oluklar\u0131, temeller, istinat duvarlar\u0131, teraslar, poli\u00e7e kapsam\u0131ndaki t\u00fcm risklere kar\u015f\u0131 g\u00fcvence alt\u0131ndad\u0131r. Sigorta sahibini etkileyen hasar durumunda (\u00f6rne\u011fin \u00e7at\u0131dan sigortalanan daireye akan su sonucu olu\u015facak hasar) tutar\u0131ndan sigortal\u0131ya d\u00fc\u015fen tutar sigorta taraf\u0131ndan kar\u015f\u0131lan\u0131r.<\/p><p><strong>Konut Sigortas\u0131 Cam k\u0131r\u0131lmas\u0131 Zarar\u0131n\u0131 Kar\u015f\u0131lar M\u0131?<\/strong><\/p><p>Evet, evin d\u0131\u015f cephe camlar\u0131, kap\u0131 camlar\u0131 ve aynalar, mobilya cam ve aynalar\u0131, cam sehpa, vitrin camlar\u0131, du\u015fakabin ve balkon camlar\u0131 (mika, fiber ve polikarbon camlar dahil) her t\u00fcrl\u00fc kazaen k\u0131r\u0131lmaya kar\u015f\u0131, poli\u00e7edeki limitler dahilinde teminat alt\u0131ndad\u0131r.<\/p><p><strong>Konut Sigortas\u0131nda Yer Alan Elektrik Hasarlar\u0131 Neleri Kar\u015f\u0131lar?<\/strong><\/p><p>Y\u0131ld\u0131r\u0131m d\u00fc\u015fmesi sonucu, normal veya anormal bir elektrik ak\u0131m\u0131n\u0131n konutta bulunan sigortal\u0131 elektrikli ve elektronik cihazlara do\u011frudan veya dolayl\u0131 olarak verece\u011fi maddi zararlar\u0131 kar\u015f\u0131lar.<\/p><p><strong>Konut Sigortas\u0131nda \u0130zolasyon Hasarlar\u0131 Kar\u015f\u0131lan\u0131r M\u0131?<\/strong><\/p><p>\u0130zolasyon yetersizli\u011fi ya da kayb\u0131 nedeniyle ya\u011fmur\/kar sular\u0131n\u0131n binan\u0131n d\u0131\u015f cephe ya da teras\u0131ndan veya pencere, kap\u0131 ve pervazlar\u0131ndan s\u0131zmas\u0131 nedeniyle meydana gelen zararlar teminat alt\u0131ndad\u0131r. Nemlenme\/\u0131s\u0131 fark\u0131 nedeniyle olu\u015fan terleme ile k\u00fcflenme sonucu s\u0131va veya boya kabarmalar\u0131 gibi i\u00e7 dekorasyonda meydana gelebilecek zararlar da (Boya, badana ve onar\u0131m masraflar\u0131) poli\u00e7edeki limitler dahilinde teminat alt\u0131ndad\u0131r<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Konut Sigortas\u0131 Nedir? Evinizde; h\u0131rs\u0131zl\u0131ktan su basmas\u0131na, elektronik aletlerin bozulmas\u0131ndan yer kaymas\u0131na v.b. m\u00fcdahale edemeyece\u011fimiz durumlara kar\u015f\u0131 sigortal\u0131y\u0131 g\u00fcvence alt\u0131na al\u0131r. Evim \u0130\u00e7in Sadece Dask Yapt\u0131rmak Yeterli Mi? Zorunlu deprem sigortas\u0131, DASK sigortas\u0131, yaln\u0131zca deprem i\u00e7in belli limitler dahilinde ge\u00e7erli bir \u00fcr\u00fcnd\u00fcr. Evin i\u00e7indeki e\u015fyalar ile k\u0131ymetli varl\u0131klar\u0131 g\u00fcvenceye almak i\u00e7in Zorunlu Deprem Sigortas\u0131\u2019n\u0131n yan\u0131nda [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-39","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Konut Sigortas\u0131 -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mhfuysalsigorta.com\/?p=39\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Konut Sigortas\u0131 -\" \/>\n<meta property=\"og:description\" content=\"Konut Sigortas\u0131 Nedir? Evinizde; h\u0131rs\u0131zl\u0131ktan su basmas\u0131na, elektronik aletlerin bozulmas\u0131ndan yer kaymas\u0131na v.b. m\u00fcdahale edemeyece\u011fimiz durumlara kar\u015f\u0131 sigortal\u0131y\u0131 g\u00fcvence alt\u0131na al\u0131r. Evim \u0130\u00e7in Sadece Dask Yapt\u0131rmak Yeterli Mi? Zorunlu deprem sigortas\u0131, DASK sigortas\u0131, yaln\u0131zca deprem i\u00e7in belli limitler dahilinde ge\u00e7erli bir \u00fcr\u00fcnd\u00fcr. 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