Donna May Kramer Agency LLC

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At our independent insurance agency you will find trained professionals with the backing of some of the finest names in the insurance industry. As your insurance advisor, we provide the best and most comprehensive coverage for your premium dollar, to include: customized, high-quality insurance programs, policy coverage and payment options, competitive prices, and fast, efficient claims service. Protecting your assets gets harder every day. As an independent agency, we are able to pool resources from one or more companies to tailor the insurance coverage to meet your individual needs. We are able to combine broad property, liability, auto, and/or umbrella coverage into a single portfolio. Our one-stop shopping approach makes life easier for you. Farmers Mutual Fire Insurance of Salem County (just one of our many carriers) offer a reduced rate for being a ?preferred risk? under their Homeowners Policy. Under their broad spectrum policy your coverage includes the home and structure, household and personal property, personal liability (including medical payments for injuries sustained) and additional living expenses in the event of a loss. Additional options are also available to include Guaranteed Replacement Coverage, jewelry, furs, fine art, musical instruments and so on. Farmers also offers a $1 million Personal Umbrella Liability Coverage to take up costs where homeowners and auto liability coverage leaves off. Our agency is also pleased to offer competitive auto rates despite the many challenges inherent in the New Jersey marketplace. Our state?s high auto insurance premiums are largely due to population density, but we can provide you with various discounts that are available. Plymouth Rock discounts its car insurance by 8% just for being a New Jersey homeowner. If that particular company isn?t the best fit, we?ll quote with one of our other three auto carriers. Progressive offers a large discount for full premium payment, does not charge for many violations and offers special coverage for household pets riding in your automobile. Whether your passion is for mini-jet boats, motorcycles, ATV?s or vintage and classic autos, you?ll find the coverage you need with Foremost Insurance Company, given an A+ rating from A.M. Best. Foremost has been insuring recreational products for over 40 years and offers policies that can help you manage your risk, so you can relax and have fun! Please feel free to contact our agency to discuss how we can work with you to improve your insurance program; whether you need just one, or a combination of the detailed coverage?s above. We will be happy to provide you with a free insurance consultation.