When buying property insurance.First find out whether you will be insured for that property as agreed.
Even though the insurance companies will not tell you this.But you must be the legal owner of the property stated on the tapu in your name as the right owner with the habitation certificate.lf you have no habitation certificate for that property,it will be classed as void and when the inevitable happens the insurance company will not pay out.
Without the tapu you have no legal ownership and therefore the insurance will have the right to refuse you a payout for the damage done.
Before insuring a property in Turkey,is to make sure you have the right legal tapu in place with the habitation certificate and show it to the insurance company of your choice