Buying a Home in Alanya: Insurance Before and After the Title Deed
Buying a home in Alanya is one of the most common things foreigners do in Turkey. Between the title deed, bank and municipality steps, the order of insurance is often overlooked; yet the title deed cannot be transferred without a DASK policy, and the home insurance that really protects your new home comes after DASK.
At our office in Mahmutlar we prepare DASK and home insurance for customers buying property. This page explains, in order, what to do on the insurance side before and after the title deed (tapu). For details, see our DASK guide and home insurance guide.
- Before the title deed appointment, a DASK policy in the new owner’s name must be ready.
- The previous owner’s DASK ends on the registration date; it is not transferred to you.
- DASK covers only the building and only earthquakes; for belongings, flooding and theft you need home insurance.
- If you want a residence permit through property, plan for the current value requirement and health insurance too.
Contents
1. The Order of Insurance When Buying a Home
Insurance comes in a set order when buying a home. Following it means you will not be held up at the title deed appointment or when connecting utilities.
| When? | Which insurance? | Why? |
|---|---|---|
| Before the title deed appointment | DASK (in the new owner’s name) | A DASK policy is required for the transfer of a building |
| For utility connections | DASK | Required for electricity, water and gas subscriptions |
| Before moving in | Home insurance | Protects the building and contents against fire, water, theft and earthquake; requires DASK first |
| If you will rent it out | Home insurance + loss of rent | Covers lost rent and liabilities after damage |
| For a residence permit | Health insurance for foreigners | Property owners must also show health cover for the permit |
Why get DASK before the title deed?
For the title deed transfer of a building, a valid DASK policy in the buyer’s name is required. The seller’s policy ends on the registration date and does not pass to you, so the policy must be issued in your name before the appointment. A DASK policy can be issued in a few minutes; all that is needed is the flat’s UAVT address code, the title deed details (block, sheet, parcel), gross floor area and building details. For foreign buyers, the policy can be issued with a foreigner ID number or tax number.
Is DASK also required for electricity and water?
Yes. A DASK policy is asked for when connecting electricity, water and gas. The policy you got for the title deed is used for these too; you do not need a new one.
What happens to the seller’s DASK?
The seller’s policy ends automatically on the registration date. The seller can apply with the title deed to get back the premium for the unused days. As the new owner, you must renew your policy every year.
2. What to Know About the Title Deed Transfer
The transfer takes place at the land registry office. For the non-insurance steps we recommend support from a lawyer or a trusted estate agent; here we summarise the points linked to insurance and the general framework.
| Document | Note |
|---|---|
| Passport and certified Turkish translation | For identification |
| Tax identification number | Must be obtained in Turkey |
| DASK policy | For buildings |
| Foreign currency purchase certificate | Shows that the foreign currency for the price was sold to an authorised bank in Turkey; submitted before the sale |
| Property market value certificate | From the municipality |
| 2 biometric photos | Taken in the last six months |
| Title deed fee receipt | Buyer and seller each pay 2% |
| Sworn interpreter | Required for parties who do not speak Turkish |
What should you check before the title deed?
- Whether the title record has a mortgage, seizure or other annotation (via e-Devlet Web Tapu or the land registry office)
- The building’s occupancy permit (iskân) and condominium status
- Municipal debts and site maintenance fee debts
- Whether residence applications are open at the address (if you plan to apply for residence)
Is a valuation report required for every purchase?
In current practice, a property valuation report is required not for all purchases by foreigners, but for transactions used to apply for Turkish citizenship through property. Where a report is needed, it is obtained from an SPK-licensed valuation company; since September 2026, reports used in title deed transactions are valid for 12 months. Confirm the current situation for your own transaction with the land registry office.
Who pays the title deed fee?
The title deed fee is 2% each from the buyer and the seller, on the declared sale price; this price cannot be lower than the property tax value. For buyers who do not speak Turkish, the land registry requires a sworn interpreter.
3. After the Title Deed: Home Insurance
DASK is compulsory but limited: it protects only the building, only against earthquakes, and only up to the maximum set by the state. What really protects your new home and belongings is optional home insurance.
Why do I need home insurance if I have DASK?
- Your belongings are not covered by DASK.
- Fire, flooding and burst pipes, theft, storms and broken glass are not DASK matters.
- If the building is worth more than the DASK maximum, the difference is covered by home insurance.
- If water leaks into the flat below, neighbour liability cover applies.
A valid DASK policy is required before home insurance can be issued.
What if you do not live in the home all year?
For owners who spend part of the year in Alanya, the biggest risks are water leaks that go unnoticed while the home is empty, and burglary. Make sure your policy includes internal water and theft covers; theft cover usually requires signs of forced entry. Turning off the water when you leave for a long time reduces both damage and the risk of disputes.
Which covers matter if you rent the home out?
- Loss of rent: the rent you cannot collect if the home becomes uninhabitable after damage
- Building and fixtures: your building and the items that belong to the home, not the tenant’s belongings
- Liability covers: damage the home causes to neighbours
Your tenant can insure their own belongings with a separate home insurance policy.
4. Residence Permit Through Property and Insurance
Many foreigners who buy a home in Alanya apply for a short-term residence permit based on property ownership. In that case, preparation is needed on the insurance side too.
Is there a value requirement for residence through property?
According to legal sources, for homes bought after 16 October 2023, a residence application based on property ownership requires the sale price on the title deed to be at least the equivalent of USD 200,000, regardless of the city. As this is an administrative practice, it can change; we recommend confirming the current requirement with the migration authority or a lawyer before buying.
Do property owners need health insurance for a residence permit?
Yes. For property owners, the title deed is the document for the reason of stay; but as with every short-term application, valid health cover is also required. For details, see our guide to health insurance for a residence permit in Alanya.
How do you proceed with us?
- Send the date of your title deed appointment and the flat’s details (UAVT code, title deed details, floor area) on WhatsApp in English, Russian or Turkish.
- We issue your DASK policy in your name before the appointment.
- After the title deed, we compare home insurance quotes with building and contents sums that suit your home.
- If you are applying for residence, we prepare your health insurance in the same process.
5. Frequently Asked Questions About Insurance When Buying a Home in Alanya
Is DASK compulsory when buying a home in Alanya?
Yes. A valid DASK policy in the buyer’s name is required for the title deed transfer of a building, and it is also asked for when connecting electricity, water and gas.
Does the seller’s DASK policy pass to me?
No. The seller’s policy ends on the registration date. You must get a new DASK policy in your own name before the title deed.
I am a foreigner. Which number do I use for DASK?
It can be issued with your foreigner ID number or the tax number you obtained in Turkey.
What information is needed for DASK?
The flat’s UAVT address code, title deed details (block, sheet, parcel), gross floor area, type of construction, year of construction and number of floors.
Do I need home insurance if I have DASK?
DASK protects only the building against earthquakes. Your belongings and risks such as flooding, theft and fire need home insurance.
Is a valuation report required for every purchase?
In current practice, a valuation report is required for transactions used to apply for citizenship through property. Confirm with the land registry office for your own transaction.
Is there a value requirement for a residence permit through property?
According to legal sources, for homes bought after 16 October 2023, a sale price equivalent to at least USD 200,000 is required. Confirm the current requirement before applying.
Which insurance do I need if I rent the home out?
We recommend adding loss of rent and liability covers to your home insurance. Your tenant can insure their own belongings separately.
Rules for title deed and residence procedures can change; this page is based on information compiled as of November 2026 and is not legal advice. For the title deed process, ask the land registry office or a lawyer; for insurance, ask us.
DASK and home insurance for your new home in Alanya
We compare quotes from seven insurers and choose the best one for you together.
We prepare your DASK before the title deed appointment and your home insurance with the right sums. We reply in English, Russian and Turkish.