Trappe, PA -- (ReleaseWire) -- 01/04/2018 --People that reside in and around Trappe, Pennsylvania have access to a reliable home insurance resource. Kelly Insurance Agency has been providing assistance to people in this part of Montgomery County more than three decades, so they are firmly established within the community. They are family-owned and operated, and they go the extra mile to establish relationships with their clients that are built on genuine trust.

Home insurance policy details can vary, but there is a basic structure with regard to the types of coverage that are contained within a standard homeowners insurance policy. Generally, the home itself will be covered from damage that is caused by fire and/or smoke and certain weather events like lightning, hail and high winds.

Home insurance does not extend to damage that was caused by flooding or earthquakes. However, Kelly Insurance Agency can connect clients with separate insurance policies that cover these events.

Depending on the precise terms of the particular policy that is purchased, home insurance can cover structures outside of the main dwelling. This could include a shed, a detached garage, storage buildings, or fences. The personal property component would provide reimbursement for belongings lost due to a covered event. This could include things like clothing, furniture, appliances, electronic devices, etc.

The fourth component of a standard home insurance policy is one that many people are not aware of until they discuss the details with an insurance agency. If someone who is visiting a home is injured on the property, the owner can be held liable. Home insurance liability coverage would pay a benefit to the victim for things like lost wages and medical expenses.

This liability portion would help with legal expenses if a policyholder is sued by someone that was injured on the property. It may also pay out a benefit if an insured homeowner accidentally damages someone else's property.

There are various options with regard to deductibles and policy limits. There are decisions to be made, and a resource like Kelly Insurance Agency can explain everything in detail so their clients can make fully informed choices.

About Kelly Insurance Agency
Kelly Insurance Agency offers home insurance to people in and around Trappe, Pennsylvania. Visit the site at http://www.kellyins.com/.