{"id":166,"date":"2020-03-15T02:33:58","date_gmt":"2020-03-14T23:33:58","guid":{"rendered":"http:\/\/localhost\/ctthemes\/csuti\/?p=166"},"modified":"2022-11-21T21:54:19","modified_gmt":"2022-11-21T18:54:19","slug":"strategy-for-norways-peion-to-fund-global","status":"publish","type":"post","link":"http:\/\/gencbilgiislem.com\/sigorta\/strategy-for-norways-peion-to-fund-global\/","title":{"rendered":"Konut Sigortas\u0131 nedir ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"166\" class=\"elementor elementor-166\">\n\t\t\t\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-628266ca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"628266ca\" data-element_type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f232cda\" data-id=\"2f232cda\" data-element_type=\"column\">\n            <div class=\"elementor-widget-wrap elementor-element-populated\">\n                        \t\t<div class=\"elementor-element elementor-element-73fa9771 elementor-widget elementor-widget-text-editor\" data-id=\"73fa9771\" 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 - v3.7.8 - 02-10-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;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, <\/strong>evinizde ya\u015fayabilece\u011finiz hasarl\u0131 durumlar\u0131 yok eder ve evinizi g\u00fcvence alt\u0131na al\u0131r. Bununla birlikte hem evinizi hem de e\u015fyalar\u0131n\u0131z\u0131 g\u00fcvende tutarak maddi kay\u0131plar\u0131n\u0131z\u0131 kar\u015f\u0131lar. Ev sigortas\u0131 olarak da adland\u0131r\u0131lan bu sigorta t\u00fcr\u00fc ev sahipleri ve kirac\u0131lar i\u00e7in olduk\u00e7a \u00f6nemlidir.<\/p><p>\u0130ste\u011fe ba\u011fl\u0131 olarak yapt\u0131r\u0131lan\u00a0<strong>konut sigortas\u0131<\/strong>, evinizi do\u011fal afetlerden h\u0131rs\u0131zl\u0131\u011fa kadar bir\u00e7ok riske kar\u015f\u0131 korur. \u2018\u2018<strong>Konut sigortas\u0131 nedir<\/strong>?\u2019\u2019 sorusunun cevab\u0131n\u0131 ise bu tan\u0131mlar ile yan\u0131tlamak m\u00fcmk\u00fcnd\u00fcr. Ev sigortas\u0131, evinizde meydana gelen bir hasarda veya tehlikede sizi b\u00fcy\u00fck masraflardan kurtar\u0131r. Bununla birlikte sadece ev sahipleri de\u011fil, kirac\u0131lar da bu sigorta t\u00fcr\u00fcnden yararlan\u0131r ve e\u015fyalar\u0131n\u0131 g\u00fcvence alt\u0131na al\u0131r.<\/p><h2>Konut Sigortas\u0131n\u0131n Kapsam\u0131 Nedir?<\/h2><p>Konut sigortas\u0131ndan yararlanmak isteyen bireyler bu sigorta t\u00fcr\u00fcn\u00fcn neleri kapsad\u0131\u011f\u0131n\u0131 merak edebilir. Geni\u015f kapsaml\u0131 teminatlara sahip olan\u00a0<strong>konut sigortas\u0131<\/strong>, ya\u015fanabilecek riskler dahil do\u011fal afetlere kar\u015f\u0131 da korur. Kapsam\u0131 ise ana ve ek teminatlardan meydana gelir. Bu teminatlar sigorta \u015firketlerine g\u00f6re de\u011fi\u015fkenlik g\u00f6sterir. Bu nedenle sigorta yapt\u0131rmak isteyen bireyler yapt\u0131rmadan \u00f6nce bu teminatlar hakk\u0131nda bilgi sahibi olmal\u0131d\u0131r.\u00a0<strong>Konut sigortas\u0131 teminatlar\u0131<\/strong>\u00a0\u015fu \u015fekildedir:<\/p><ul><li>Yang\u0131n, yer kaymas\u0131, y\u0131ld\u0131r\u0131m, kar a\u011f\u0131rl\u0131\u011f\u0131, infil\u00e2k, f\u0131rt\u0131na<\/li><li>Grev, lokavt, karga\u015fa, ter\u00f6r<\/li><li>Dahili su ile ilgili problemler<\/li><li>Duman<\/li><li>Sel ve su bask\u0131n\u0131 (seylap)<\/li><li>H\u0131rs\u0131zl\u0131k<\/li><li>Elektronik cihaz teminat\u0131<\/li><li>Gasp, kapka\u00e7, yankesicilik teminat\u0131<\/li><li>Konut d\u0131\u015f\u0131nda bulunan e\u015fyalar teminat\u0131<\/li><li>Cam ve ayna k\u0131r\u0131lmas\u0131<\/li><li>Yak\u0131t s\u0131zmas\u0131<\/li><li>Kara, hava ve deniz ta\u015f\u0131tlar\u0131 \u00e7arpmas\u0131<\/li><li>Ferdi kaza sigortas\u0131<\/li><li>Enflasyondan korunma<\/li><li>Dahili su<\/li><li>Araba \u00e7arpmas\u0131<\/li><li>Yang\u0131n mali sorumluluk<\/li><li>Makine k\u0131r\u0131lmas\u0131<\/li><li>Aile reisi sorumlulu\u011fu<\/li><li>Yard\u0131m hizmetleri<\/li><\/ul><h3>Konut Sigortas\u0131n\u0131n Genel \u015eartlar\u0131 Nedir?<\/h3><p><strong>Konut sigortas\u0131<\/strong>\u00a0genel \u015fartlar\u0131 poli\u00e7eye g\u00f6re de\u011fi\u015fkenlik g\u00f6sterir. Ayr\u0131ca bu poli\u00e7e evin duvarlar\u0131nda, su tesisat\u0131nda ve elektri\u011finde meydana gelebilecek hasarlar\u0131 kar\u015f\u0131lar. E\u015fya teminat\u0131na da sahip olabilen bu poli\u00e7e, e\u015fyalar\u0131n zarar g\u00f6rmesi durumunda \u00f6deme yapabilir. Ayr\u0131ca baz\u0131 konut poli\u00e7elerinde sa\u011fl\u0131k teminat\u0131 yer al\u0131r. Sa\u011fl\u0131k teminat\u0131, evde meydana gelen yang\u0131n, deprem, sel ve su bask\u0131n\u0131 gibi olaylar sa\u011fl\u0131\u011fa zarar verirse do\u011fan masraflar\u0131 kar\u015f\u0131lar.<\/p><p><em>Konut Sigortas\u0131 Fiyatlar\u0131 2021<\/em><\/p><p><strong>Konut sigortas\u0131 fiyatlar\u0131 2021<\/strong>\u00a0y\u0131l\u0131 i\u00e7in \u015f\u00f6yledir:<\/p><table cellspacing=\"0\"><tbody><tr><td><p>Teminat T\u00fcr\u00fc<\/p><\/td><td><p>Konut \u0130n\u015fa Bedeli<\/p><\/td><td><p>E\u015fya Bedeli<\/p><\/td><td><p>Y\u0131ll\u0131k Fiyat<\/p><\/td><\/tr><tr><td><p>Sadece Konut<\/p><\/td><td><p>200 -250 bin TL aras\u0131<\/p><\/td><td><p>E\u015fya Teminat\u0131 Bulunmuyor<\/p><\/td><td><p>261 TL<\/p><\/td><\/tr><tr><td><p>Sadece E\u015fya<\/p><\/td><td><p>Konut Teminat\u0131 Bulunmuyor<\/p><\/td><td><p>10 &#8211; 100 bin TL aras\u0131<\/p><\/td><td><p>218 TL<\/p><\/td><\/tr><tr><td><p>Konut + E\u015fya<\/p><\/td><td><p>200 -250 bin TL aras\u0131<\/p><\/td><td><p>10 &#8211; 100 bin TL aras\u0131<\/p><\/td><td><p>451 TL<\/p><\/td><\/tr><\/tbody><\/table><p>Tabloda bulunan konut ve e\u015fya fiyatlar\u0131 son zamanlarda al\u0131nan ve g\u00fcncellenen prim fiyatlar\u0131n\u0131n ortalamas\u0131n\u0131 ifade eder. Bu sigorta t\u00fcr\u00fc i\u00e7in alaca\u011f\u0131n\u0131z teklifler, konutunuzun ili, il\u00e7esi, ya\u015f\u0131 ve bulundu\u011fu kata g\u00f6re farkl\u0131l\u0131k g\u00f6sterir.<\/p><p>Konut Sigortas\u0131 Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<\/p><p>\u00a0<\/p><p>\u00c7at\u0131 akmas\u0131n\u0131 konut sigortas\u0131 kar\u015f\u0131lar m\u0131?<\/p><p>Poli\u00e7ede yer alan kriterlere g\u00f6re bu sorunun cevab\u0131 farkl\u0131l\u0131k g\u00f6sterir. Yo\u011fun ya\u011f\u0131\u015f gibi nedenlerden dolay\u0131 olu\u015fan \u00e7at\u0131 akmas\u0131 poli\u00e7e kapsam\u0131 alt\u0131nda de\u011ferlendirilir. Akma sonucu evdeki e\u015fyalar da zarar g\u00f6rm\u00fc\u015fse bunu\u00a0<strong>konut sigortas\u0131<\/strong>\u00a0kar\u015f\u0131layabilir. Ancak ev sahiplerinin hatalar\u0131 nedeniyle bu olay meydana gelirse poli\u00e7e kapsam\u0131nda yer almaz.<\/p><p>Konut sigortas\u0131 k\u0131r\u0131lm\u0131\u015f elektronik e\u015fyalar\u0131 kar\u015f\u0131lar m\u0131?<\/p><p>Poli\u00e7ede kazayla k\u0131r\u0131lma teminat\u0131 bulunuyorsa elektronik e\u015fyalar g\u00fcvence alt\u0131na al\u0131n\u0131r. Ek teminat olan bu maddede genellikle sigorta \u015firketleri e\u015fya hasarlar\u0131n\u0131 kar\u015f\u0131lar. Bununla birlikte elektronik e\u015fyalar; televizyon, bilgisayar, foto\u011fraf makinesi, kamera ve m\u00fczik seti gibi e\u015fyalardan olu\u015fur.<\/p><p>Alt kata su s\u0131zma durumu var ise sigorta bunu \u00f6der mi?<\/p><p>Poli\u00e7ede malik veya kirac\u0131n\u0131n kom\u015fuluk sorumlulu\u011fu teminat\u0131 var ise su s\u0131zma durumundan olu\u015fan hasarlar kar\u015f\u0131lan\u0131r.<\/p><p>Konut sigortas\u0131 ile kombi bak\u0131m\u0131 yapt\u0131r\u0131l\u0131r m\u0131?<\/p><p>Genellikle poli\u00e7ede kombi bak\u0131m\u0131 yer almaz ancak baz\u0131 sigorta \u015firketleri bu noktay\u0131 g\u00fcvence alt\u0131na al\u0131r. Ek bir kombi masraf\u0131 yapmak istemeyen bireyler sigorta \u015firketi ile g\u00f6r\u00fc\u015ferek bu maddenin poli\u00e7e kapsam\u0131na al\u0131nmas\u0131n\u0131 talep edebilir.<\/p><p>Konut sigortas\u0131n\u0131n \u00fccretsiz hizmetleri var m\u0131?<\/p><p>Poli\u00e7e kapsam\u0131nda \u00fccretsiz hizmetler bulunur ve sigorta \u015firketlerine g\u00f6re farkl\u0131d\u0131r. Hal\u0131 y\u0131kamadan klima bak\u0131m\u0131na bir\u00e7ok hizmet \u00fccretsiz bir \u015fekilde sunulur.<\/p><p>Rutubet masraflar\u0131 sigorta kapsam\u0131na dahil midir?<\/p><p>Poli\u00e7ede izolasyon hasarlar\u0131 teminat\u0131 yer al\u0131yor ise rutubet masraflar\u0131 sigorta kapsam\u0131na dahildir. Ayr\u0131ca teminatta yo\u011fun hava ko\u015fullar\u0131nda meydana gelen boya ve badana masraflar\u0131 da kar\u015f\u0131lan\u0131r.<\/p><p>Konutta bulunan misafirlerin e\u015fyalar\u0131 sigorta kapsam\u0131nda yer al\u0131r m\u0131?<\/p><p>Misafir e\u015fyalar\u0131n\u0131n konut sigortas\u0131 kapsam\u0131nda olmas\u0131 i\u00e7in ek teminatlarda bulunmas\u0131 gerekir. Sigortada belirtilen ko\u015fullar ile ge\u00e7ici e\u015fyalarda olu\u015fan hasarlar teminat alt\u0131na al\u0131n\u0131r. Genellikle sigorta \u015firketleri elektronik e\u015fyalar\u0131 ve nakit paray\u0131 bu teminat kapsam\u0131nda tutmaz.<\/p><p>Konut sigortas\u0131 kapsam\u0131nda bulunmayan riskler nelerdir?<\/p><p>Konut sigortas\u0131 kapsam\u0131nda nakit para, m\u00fccevherler ve ki\u015fisel e\u015fyalar bulunmayabilir. Ancak baz\u0131 sigorta \u015firketleri belirledikleri ek primler ile kasada tutulan e\u015fyalar\u0131 teminat alt\u0131na alabilir.<\/p><p>Konut sigortas\u0131 hasars\u0131zl\u0131k indirimi nas\u0131l al\u0131n\u0131r?<\/p><p>Sigortal\u0131 birey poli\u00e7e s\u00fcresi bitene kadar hasar bildiriminde bulunmad\u0131ysa hasars\u0131zl\u0131k indiriminden yararlanabilir. Yeni bir sigorta yapt\u0131rd\u0131\u011f\u0131nda ise belli oranlarda indirimler poli\u00e7eye uygulan\u0131r.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                            <\/div>\n        <\/section>\n        \t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>At vero eos et accusamus et iustoodio digni goikussimos ducimus qui blanp ditiis praesum voluum. <\/p>\n","protected":false},"author":1,"featured_media":4098,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-konut"],"_links":{"self":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/166","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/comments?post=166"}],"version-history":[{"count":7,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/166\/revisions"}],"predecessor-version":[{"id":4103,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/posts\/166\/revisions\/4103"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media\/4098"}],"wp:attachment":[{"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/media?parent=166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/categories?post=166"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/gencbilgiislem.com\/sigorta\/wp-json\/wp\/v2\/tags?post=166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}