Many people confuse home insurance with DASK (Compulsory Earthquake Insurance). In short: DASK covers only earthquakes and earthquake-related damage, and it is compulsory. Home insurance, on the other hand, is optional and offers much broader cover, including fire, theft and flooding.

Key features of DASK

• It is compulsory. DASK is required for title deed transactions and for water, electricity and natural gas subscriptions.
• It covers the building only. Belongings, decoration and household appliances are not covered.
• Its cover is limited. It covers earthquakes and earthquake-related damage such as fire, tsunami and landslides.
• The compensation limit is fixed. DASK sets the maximum cover limit every year.
• Compensation is paid based on the cost of rebuilding the home, not its market value.

DASK is compulsory, but on its own it does not provide sufficient protection.

Key features of home insurance

• It is not compulsory; it complements DASK.
• It covers both the building and its contents.
• It offers broad cover such as fire, theft, flooding, storms, glass breakage, electronic equipment breakdown, loss of rent and liability towards neighbours.
• Earthquake cover can be added, so that damage to belongings and decoration not covered by DASK is also protected.
• The compensation limit is set by the policy and is usually far more comprehensive than DASK.

DASK + home insurance = full protection

Taking out DASK alone protects your home against earthquakes only. When you combine it with home insurance, you get full protection against earthquakes and other risks: DASK is the compulsory basic cover, while home insurance is the complementary shield. Plan the DASK and home insurance combination that is right for you with our experts.