Financially protect the items in your home with Renter’s Insurance, to cover theft, vandalism and fire. Here are a few tips that will help you to choose your insurance policy:

• Note that it will only cover certain personal effects in the home. Major items such as vehicles are excluded and will need a different policy.


• Make a record of your possessions and save receipts for large cost items. Take pictures and video; make the list as detailed as possible, and keep a copy in a safe place, outside the home. This will assist you in the event of a claim.


• Choose the type of policy that suits you best. Some insurers will offer “new for old” arrangements which see your insured goods replaced with new items. Other insurers with lower premiums often replace goods with others of a similar standard.


• Make sure that your policy gives you enough coverage to replace what is insured. A “Cash Value” policy will be cheaper but pays only what your property is worth at the time of loss - your cost minus depreciation for age and wear. You save money initially, but will you be able to replace your items?


• Check for any specialized coverage you might need. Items like computers, cameras, jewellery and antiques might require extra coverage, or you may need to have them listed in the policy when you purchase it.


• Shop around online for a policy that is both adequate and affordable.

It’s likely we’ll have a policy that suits your needs. Why not give the Kramer Insurance Center a call now (800.247.6394) for more information or obtain a free estimate online?

Getting married is an exciting time in a couple’s life. Nothing beats the feeling you get when your significant other gets down on one knee and pops the question you’ve been waiting for. The ring is beautiful and just as you always imagined. But, do you know who protects this ring? You may have heard about jewelry insurance policies. Before purchasing this type of insurance, take a look at your homeowner’s insurance.

Many homeowner’s insurance. policies do allow coverage for loss and damage to jewelry. Depending on the value of your engagement ring, this may be enough for you. Typically, most policies allow up to $1,000 in coverage for jewelry. If your ring is valued at more than that, you may want to purchase additional coverage in the form of jewelry insurance and/or a floater policy. If you live in an apartment or condominium and you have a renters/condo insurance policy, they usually offer some coverage for jewelry as well.

An engagement ring is more than a material possession, it is a sentimental keepsake. You should make sure that it will be covered by either your homeowner’s insurance or a supplemental policy. Those in Pennsylvania should contact Kramer Insurance today for more information on homeowner’s insurance and jewelry coverage. Visit our virtual insurance office today at www.kramerinsurancecenter.com for a free quote!

A common misconception amongst individuals who live in apartments and other rental properties is that their belongings are covered under the insurance policy of the rental property owner; this is most definitely NOT the case. Any insurance policy that the owner of a rental property has only protects the buildings and the property that is valuable to them; this does not include your belongings or any of your possessions/property. Should you live in a rental property, you need to purchase a renter’s insurance line.

A renter’s insurance policy can provide a lot of coverage and at a price that may surprise you. Rates for renter’s insurance are generally low and can cover your property and protect you from liability issues that may present themselves in your specific rental. For example, if someone gets hurt in your apartment and decides to hold you legally responsible and sue you, the liability coverage in a renter’s insurance policy will cover the costs and prevent most, if any, out-of-pocket costs. Most renter’s policies will also have protection from damages cause by theft, storms, fires, and water damage. A renter’s policy can also take care of living expenses if for any reason you are unable to live in your apartment due to an insured incident.

When in doubt about purchasing renter’s insurance, remember this: your possessions are NOT protected in a rental property unless YOU protect them. It is in no way the owner of a rental property’s responsibility to cover your possessions or protect you from liability issues.

Renters in Pennsylvania should contact Kramer Insurance for a free quote and more information on renter’s insurance! Visit our virtual insurance office today at www.kramerinsurancecenter.com.

Obesity is a huge health issue in the United States; this isn’t anything new or surprising. What may be surprising, however, is the affects of obesity on your health insurance rates. Your weight and lifestyle choices do make a big difference when it comes to health coverage; many individuals do not realize this until it is too late. With over 60% of Americans being categorized as obese and/or overweight, this is no small problem. The rates of obesity have more than tripled over the past decade alone.

Obesity is known to cause some major health issues. Besides the unhealthy factor of excessive weight in general, individuals who are obese have a much higher risk of heart disease, stroke, diabetes, respiratory problems, certain types of cancer, etc. Health risks are not the only “dangers” to those who are obese; costs of living can be extremely high as well. Obesity is almost as deadly as smoking, given that both are the top causes of preventable death in the U.S.

One major cost that many people don’t consider is the cost of health insurance for those that are obese. Health insurance rates are significantly higher for those with “unhealthy lifestyles,” which includes obesity. Sometimes those who are obese can’t even find an insurance company that will provide them coverage because of the high risks associated with their weight. Those who are considered to be obese can pay up to twice as much for coverage than those who are categorized as “fit.”

Some insurance companies will provide monetary coverage for programs and procedures that help to defeat obesity. Those in Pennsylvania should contact the Kramer Insurance Center for a free health insurance quote. We have years of experience with health insurance policies and understand their importance in your life. Visit our virtual insurance agency today at www.kramerinsurancecenter.com.

Whether you own a small café or a chain of grocery stores, the importance of business insurance is not any different. A small business has a lot to protect, and if anything, more at stake than a big business. If you are a small business owner, chances are you depend on your business for income and financial stability. A small business can be a huge investment and there’s not always a guarantee that there will be success from its endeavors. Here are some of the coverage options you should consider if you own a small business:

• Commercial Property Insurance
  The property of your small business is probably one of the most important aspects to insure. If anything happens to the building of your business or anything in it, the costs can be crippling enough to close your business if you are not properly protected.
• Liability Insurance
  Whether you have just a General Liability Insurance line or you add Excess Liability coverage, having protection against liability issues is a must! Lawsuits are everywhere these days; make sure you are covered.
• Worker’s Compensation Insurance
  If an employee gets sick or injured on the job, it is your responsibility to cover any medical expenses and lost wages. Without Worker’s Compensation Insurance, you could be liability for a huge amount of debt should an incident occur.
• Health Insurance
  Providing health insurance for your full-time employees is a must. Sometimes the better your health insurance coverage is, the more likely you will attract job candidates. Cutting costs on health insurance could result in big costs to you should an employee or yourself be sick. Without adequate health insurance, you or an employee could be out of work for an extended period of time.
• Life Insurance
  Life Insurance is extremely important for a business owner. With the amount of responsibility, financial and personal, you have by owning a business, you want to make sure that everything goes to the right person and place when the unfortunate occurs.
• Employment Practices Liability Insurance
  If your employee messes up and it results in a customer, client, or another employee to file a claim, it can get pretty expensive for you. Regular liability lines do not provide much, if any, coverage for lawsuits due to employee negligence. Make sure you, your employees, and your business are protected from such a case.

Those in Pennsylvania should contact the Kramer Insurance Center for all of their small business needs! Visit our virtual insurance agency at www.kramerinsurancecenter.com and fill out our free business quote form.

Have you considered making your home “greener”? Going green has been a popular trend lately, and choosing to make your home more energy efficient is a wonderful way to both help the environment and save you money. Even better? Making your home greener is even easier than you might think.

Not all of us can afford to install solar panels in our home, but there are smaller things we can do to make our homes greener. One of the simplest changes we can make is to be more aware of our utility costs. A great way to save money on your heating and cooling bills is to use a programmable thermostat. A programmable thermostat allows you to regulate you heating and cooling temperatures automatically. You can save 5-30% on your bill if it is programmed correctly. Experts suggest keeping the winter temperature around 68 degrees when you are home and 60 degrees when you are gone and at night. For the summer, keep the temperature around 75 degrees when you are home, and 80 degrees when you are gone.

In addition to a programmable thermostat, there are simple, non-technical ways to adjust the temperature of your home- and save you money. Instead of cranking the heat up when it gets chilly outside, you can bundle up or grab a blanket. When it gets hot in the summer, you can keep the A/C low and turn on some fans. Also try turning off appliances when you exit a room, and consider purchasing more energy efficient options.

Going green is one way to save money on your home costs. Kramer Insurance Center can also help you save by providing you with an affordable homeowner’s insurance policy. Visit our site to learn more about your insurance options, or to get a free homeowners insurance quote.

When you’re young, shopping for affordable insurance can be difficult. Fresh college graduates don’t usually have much money to invest in anything, let alone an insurance policy. Many young people, especially in today’s economy may be unemployed, underemployed, or continuing their education. Because their incomes are typically low, it is best for young people to shop around before going with the first insurance agency they see.

Many agencies can offer vastly different prices on the same policies- so it is best to do your research. Although looking at many different agencies can take time and be tedious, it will definitely pay off in the long run. Be choosing the lowest rate available, you can save more money for other things necessities like rent, or food.

Another great way to save money on your insurance costs is to take out multiple policies with the same company. You surely need insurance for your car- but have you considered purchasing renters insurance as well? Your landlord typically has insurance for your building, but that coverage doesn’t usually apply to items in your individual unit- like your TV or clothes. In addition to auto and renters coverage, health insurance should be another serious consideration. Did you know that you know that young people make up a huge segment of those who lack health insurance in this country? Don’t become a statistic. Purchasing health insurance may seem like an unnecessary expense, but if you get sick, it can keep you out of debt.

If you are interested in purchasing insurance coverage, or combining your Auto, Renters, and Health coverage with one company, take a look at Kramer Insurance Center. Combining policies with us can save you 30%. Visit our site to get a free quote, right now.

Homeowners purchase home insurance in case their home or property is damaged, but no homeowner ever wants to HAVE to use it. Most people try their best to avoid claims. However, that's the point of insurance - accidents and bad situations do happen, and you want to be ready when they do.

Here are a few of the most common insurance claims, and how you can prevent them.

Pipes that leak or freeze in your home can cause devastating damage, often in a short amount of time. And most of the time, no one notices until there is already a good bit of damage done. Pipes that freeze can burst and flood an entire floor.

How do you prevent these accidents?

Make sure you're checking the pipes regularly, and have them repaired immediately if you see anything wrong. As for the freezing pipes, if you're going to be away for awhile (like for the holidays), be sure to set your thermostat above freezing and have someone check in on your home at least twice a week.

Most fires that happen in the typical home are electrical fires, due to bad wiring or a short circuit. Again, regular inspections can prevent major disasters. Check cables, wires, and cords every three months. Look for loose sockets, wires that have been stripped or are coming apart from the plug head, and anything else that seems wrong. Wires and cords should never be "run" under a carpet or rug where there's heavy traffic - this will cause them to fray.

Burglary is always a threat. Make sure that your home is protected as much as it can be against thieves. You'll need locks on all windows and doors, as well as an alarm system.

There are countless types of security systems - from sensory alarms to automated lights which will make it appear as though you're home. Check in to see which security system best fits your home and needs.

Most claims can be avoided through precaution and inspections. These are just a few ways to keep your home and family safe. For more information on home insurance and safety, contact us today! We're the Kramer Insurance Center, based in Langhorne, Pennsylvania.

Last week, a kitchen fire forced a Myerstown, PA family of seven to escape their home. The fire apparently began in the kitchen, completely unexpected, just before six o'clock at night.

The family got out safely, along with their pets; however, the fire damage is extensive and until they are reimbursed from their homeowners insurance, the family is staying with relatives.

Can you imagine this loss? With a family that large living together, it's a great thing that they have homeowners insurance. What if they didn't, and had lost everything?

Would you be prepared for a compeltely unexpected fire? No matter how careful you are, a fire can happen abruptly and spread quickly. If you're without a homeowners insurance policy, it's time to consider protecting your home and everything that you own.

For more information on homeowners insurance, renters insurance, or condo insurance, contact us today! We're Kramer Insurance, an independent insurance agency based in Langhorne, Pennsylvania.

You may have a few questions about life insurance. Have you ever wondered how your life insurance carrier decides how much your policy costs, or what sort of questions you'll be asked when you apply? Below we've put together a mini-FAQ which should fill you in a little: 

What kinds of questions will the insurance company ask me?

Generally, they will ask you questions which deal with your health. These questions are to help determine your risk factor, and may include inquiries dealing with smoking, alcoholism, cancer, AIDS, heart problems, stroke, and liver problems. They'll ask about your family's health history, and they will probably ask you if you've ever been disabled or asked to retire early, and if you have/had a hazardous job.

How does the insurance company determine how much my policy will be?

The price of your policy will depend on several factors. Your age, your health condition, your career, and what type of policy you choose will all factor into the cost.

Will all life insurance carriers ask me to have a medical?

Most insurance companies want you to have a medical exam before they agree to insure you, and many of them have a company doctor who will give your exam for free.

Have more questions about life insurance? Contact us today with anything else you want to know!  We're Kramer Insurance, an independent insurance agency based in Langhorne, Pennsylvania.