T\u00fcrkiye geneline bak\u0131ld\u0131\u011f\u0131nda, konutlar\u0131n sadece y\u00fczde 22’sinin sigortal\u0131 oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Peki konut sigortas\u0131 oran\u0131 neden bu kadar az? Sigorta \u00e7ok mu pahal\u0131? Konut sigortas\u0131 hangi hasarlar\u0131 kar\u015f\u0131lar? \u0130\u015fte konut sigortas\u0131na ili\u015fkin detaylar…<\/b><\/p>\n
Her \u015feyin ba\u015f\u0131 sa\u011fl\u0131k\u2019 diyen bir ata-s\u00f6z\u00fcm\u00fcz var ama bu d\u00f6nemde sa\u011fl\u0131\u011f\u0131 koruman\u0131n ne kadar zor ve me\u015fakkatli oldu\u011funu, b\u00fct\u00fcn d\u00fcnya olarak ac\u0131 bir \u015fekilde deneyimledik.<\/p>\n
T\u00fcrkiye, e\u015fsiz sa\u011fl\u0131k sistemi ile koronavir\u00fcs tedavilerini \u00f6zel-kamu hastanesi demeden b\u00fct\u00fcn\u00fcyle \u00fccretsiz yaparken, t\u00fcm d\u00fcnyada binlerce insan sa\u011fl\u0131k teminat\u0131 olmad\u0131\u011f\u0131 i\u00e7in tedavi olma \u015fans\u0131 bulamad\u0131. T\u00fcrkiye Gazetesi’nden Canan Eraslan’\u0131n haberine g\u00f6re; di\u011fer yandan bu d\u00f6nemde s\u0131\u011f\u0131na\u011f\u0131m\u0131z, hayat alan\u0131m\u0131z, keyif mek\u00e2n\u0131m\u0131z ve daha bir\u00e7ok \u015fey olan evimize de bakma f\u0131rsat\u0131m\u0131z oldu.<\/p>\n
Evimiz daha g\u00fczel olsun, daha \u00e7ok g\u00fcne\u015f als\u0131n, huzur versin, iyi hissettirsin diye bu d\u00f6nemde \u00e7ok \u00e7abalad\u0131k. Fakat evlerimiz belki yan, belki \u00fcst kom\u015fu ve belki de kendi dikkatsizli\u011fimiz veya kazayla hasar da g\u00f6rd\u00fc. Bu arada bu zararlarla kar\u015f\u0131 kar\u015f\u0131ya kald\u0131k. Belki de biz kom\u015fumuza zarar verip onu kar\u015f\u0131lad\u0131k. Yani, evlerimizde daha \u00e7ok kald\u0131\u011f\u0131m\u0131z bu zamanda sigorta daha fazla g\u00fcndeme geldi. \u00c7\u00fcnk\u00fc konut sigortas\u0131, yang\u0131ndan h\u0131rs\u0131zl\u0131\u011fa, depremden su ve sel bask\u0131nlar\u0131na kadar koruyan, kom\u015fumuza verebilece\u011fimiz baz\u0131 zararlar\u0131 da teminat alt\u0131na alan bir sigorta.<\/p>\n
San\u0131ld\u0131\u011f\u0131n\u0131n aksine, muhtemel zararlar kar\u015f\u0131s\u0131nda \u00e7ok k\u00fc\u00e7\u00fck olabilecek bedellerle konut sigortas\u0131 yapt\u0131r\u0131labiliyor. Fakat ne yaz\u0131k ki her \u015feyimiz olan evimizi g\u00fczelle\u015ftirmek i\u00e7in ay\u0131rd\u0131\u011f\u0131m\u0131z on binlerce TL’lik bedellerin k\u00fc\u00e7\u00fck bir k\u0131sm\u0131n\u0131 dahi, evimizi korumak i\u00e7in harcam\u0131yoruz. Sigorta Birli\u011fi verilerine g\u00f6re, evleri h\u0131rs\u0131zl\u0131ktan su bask\u0131n\u0131na kadar teminat alt\u0131na alan konut sigortas\u0131na talep \u00e7ok d\u00fc\u015f\u00fck. Konutlar\u0131n sadece y\u00fczde 22\u2019si sigortal\u0131yken, i\u015f yeri sigortal\u0131l\u0131\u011f\u0131 y\u00fczde 37 olarak tespit edildi.<\/p>\n
Hep d\u00fc\u015f\u00fck seviyelerde<\/strong><\/p>\n Sigortal\u0131l\u0131k oran\u0131 incelendi\u011finde, ta\u015f\u0131tlar \u00f6n planda yer al\u0131yor. Otomobillerin yakla\u015f\u0131k y\u00fczde 60\u2019\u0131na yak\u0131n\u0131 kasko sigortas\u0131na sahipken, zorunlu trafik sigortas\u0131 oran\u0131 ise y\u00fczde 80. Hayat alan\u0131m\u0131z olan konutlarda ise sigorta \u00e7ok daha d\u00fc\u015f\u00fck seviyelerde seyrediyor. Zorunlu olmas\u0131na ra\u011fmen DASK\u2019da y\u00fczde 41\u2019lik sigorta oran\u0131 olurken, konut sigortas\u0131 oran\u0131 y\u00fczde 22, i\u015f yeri sigortal\u0131l\u0131k oran\u0131 ise y\u00fczde 37\u2019den biraz daha d\u00fc\u015f\u00fck.<\/p>\n Konut sigortas\u0131 \u00e7ok mu pahal\u0131?<\/strong><\/p>\n Burada yine otomobil-ev kar\u015f\u0131la\u015ft\u0131rmas\u0131 yap\u0131l\u0131yor. Orta h\u00e2lli bir otomobile y\u0131lda sadece kasko ve zorunlu trafik sigortas\u0131 olmak \u00fczere yakla\u015f\u0131k 2 bin TL \u00f6deniyor. Konut sigortas\u0131 ise bunun 10\u2019da biri kadar. Konut ve otomobilin hem maddi hem manevi de\u011feri kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda karar vermek daha kolay hale gelebilir.<\/p>\n Evin sahibi olmak \u015fart m\u0131?<\/strong><\/p>\n Hay\u0131r de\u011fil. \u00c7\u00fcnk\u00fc bir eve h\u0131rs\u0131z girdi\u011finde evin sahibi olman\u0131za dikkat etmiyor. Bir elektrik konta\u011f\u0131, su bask\u0131n\u0131, su s\u0131z\u0131nt\u0131s\u0131 gibi hasarlarda da evin sahibi olmu\u015f olmam\u0131\u015f pek \u00f6nemli say\u0131lm\u0131yor. Bu gibi talihsiz durumlarla kar\u015f\u0131 kar\u015f\u0131ya kal\u0131nd\u0131\u011f\u0131nda kom\u015fuya verilen zarar\u0131 kar\u015f\u0131lamak da zorunlu. Kirac\u0131 bile olsan\u0131z.<\/p>\n Bu sigorta neleri korumaya al\u0131yor?<\/strong><\/p>\n Yang\u0131n, y\u0131ld\u0131r\u0131m, infilak, duman, ter\u00f6r, f\u0131rt\u0131na, h\u0131rs\u0131zl\u0131k, d\u00e2hili su gibi bir\u00e7ok hasar\u0131 teminat alt\u0131na alan bu sigorta t\u00fcr\u00fc, \u00e7ilingir hizmeti, cam hizmeti gibi bir\u00e7ok asistans teminat\u0131 da poli\u00e7eye dahil ediliyor. Antika, tablo gibi de\u011ferli hal\u0131 gibi varl\u0131klar da yine belirli limitler dahilinde teminat alt\u0131na al\u0131nabilir.<\/p>\n","protected":false},"excerpt":{"rendered":" T\u00fcrkiye geneline bak\u0131ld\u0131\u011f\u0131nda, konutlar\u0131n sadece y\u00fczde 22’sinin sigortal\u0131 oldu\u011fu g\u00f6r\u00fcl\u00fcyor. Peki konut sigortas\u0131 oran\u0131 neden bu kadar az? Sigorta \u00e7ok mu pahal\u0131? Konut sigortas\u0131 hangi hasarlar\u0131 kar\u015f\u0131lar? \u0130\u015fte konut sigortas\u0131na ili\u015fkin detaylar… Her \u015feyin ba\u015f\u0131 sa\u011fl\u0131k\u2019 diyen bir ata-s\u00f6z\u00fcm\u00fcz var ama bu d\u00f6nemde sa\u011fl\u0131\u011f\u0131 koruman\u0131n ne kadar zor ve me\u015fakkatli oldu\u011funu, b\u00fct\u00fcn d\u00fcnya olarak ac\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":6423,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[169],"tags":[],"class_list":["post-6422","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guncel-haberler"],"_links":{"self":[{"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/posts\/6422","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/comments?post=6422"}],"version-history":[{"count":1,"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/posts\/6422\/revisions"}],"predecessor-version":[{"id":6424,"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/posts\/6422\/revisions\/6424"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/media\/6423"}],"wp:attachment":[{"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/media?parent=6422"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/categories?post=6422"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.keypoint.com.tr\/en\/wp-json\/wp\/v2\/tags?post=6422"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}