Protect Your Home

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Welk Insurance Agency, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

• Fire and Lightning
• Collisions from Vehicles or Aircraft
• Hail
• Sewer/Drain Backup
• Windstorm
• Vandalism
• Volcanic Eruption
• Smoke
• Freezing Conditions or Snow

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative at Welk Insurance Agency who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Welk Insurance Agency before making a decision.

Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a Homeowners Liability policy from Welk Insurance Agency, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

• Claims for property damage
• Claims for injury to others (either on or off the premises)
• Liability defense costs
• Medical expenses for injuries to others

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative at Welk Insurance Agency to determine the right amount of coverage to keep you protected today.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings.

At Welk Insurance Agency, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen.

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) or Replacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones.
 

Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.

A representative at Welk Insurance Agency is committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

For many, a condo is a great alternative to living in an apartment or a home, and can offer more space, more living area, and more amenities. But since a condo is a special kind of residence, it requires its own insurance policy.

With Condo Insurance from Welk Insurance Agency, you can extend your protection past that of what your condo community provides. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage. And unlike Renters Insurance, Condo Owners Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.

A Condominium Insurance policy includes other great features like guest medical protection, which pays for the medical expenses of friends and visitors who are injured on your property. In the event a fire or other disaster puts your condo out of commission, additional living expenses coverage may reimburse you for cost of temporary housing while your unit is being fixed.

Contact a specialist at Welk Insurance Agency today to determine the right amount of coverage you need to keep your condo insured.

At Welk Insurance Agency, we know you’ve worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That’s why we’re committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.

Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:

• Personal Property Protection to pay for loss or damage to most of your personal items
• Family Liability Protection to provide legal representation against injury or property damage claims
• Guest Medical Protection to help cover the medical expenses for visitors injured in your home
• Home & Structure Protection to compensate you for building repairs after a covered accident
• Additional Living Expenses to reimburse you for temporary housing during reconstruction

We know how special your mobile or manufactured home is to you, and we’re proud to offer to an exceptional insurance policy that’s designed to meet your budget. You may also qualify for savings and discounts simply by having extra security devices installed in your home, or by combining your Mobile Home and Auto Insurance policies.

Talk with a specialist at Welk Insurance Agency to learn how you can save with Mobile Home Insurance.

At Welk Insurance Agency, we know that your personal belongings are an extension of you, and oftentimes, the things you hold onto the most are the items in which you’ve invested much time and money. The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions.

Scheduled Personal Property (SPP) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, collectibles, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.

Should you decide to add the premium protection of SPP Insurance, one of Welk Insurance Agency's specialists will work with you to determine the replacement cost of each item you would want to have insured.

The items you own are unique, which is why at Welk Insurance Agency, we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.

A rental property is an important asset that can supply you with a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from Welk Insurance Agency, you’ll receive a complete degree of protection to keep yourself and your rental property insured.

The proper Landlord policy can provide options from Personal Property and Liability to Medical Payments to Others and Dwelling to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:

• Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants
• Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury
• Legal counsel and fees in the event of a related lawsuit
• Additional expenses to make up for lost income if your property needs repaired through loss of use

Because of the variety of options available, an insurance specialist at Welk Insurance Agency is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure.

The Welk Insurance Agency provides insurance to businesses in Orangevale, Folsom, Roseville, Fair Oakes, Placerville, El Dorado Hills, and surrounding areas.

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. The Welk Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At The Welk Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

We offer the following options for your business assets: 

• Commercial property insurance
• Commercial general liability
• Business owners policy (BOP)
• Inland marine insurance
• Commercial auto insurance
• Commercial umbrella insurance
• Professional liability
• Workers compensation
• Crime insurance
• And much more …