Habitational Development

Miscellaneous - CondoCondominium Associations, Townhouse Associations,  Apartment Complex  Owners and Property Managers have unique exposures that require the experience of a broker that understands those risks. They also have unique challenges including difficulty in placing their insurance coverages and substantial increases in premiums over the past several years, especially those with coastal exposures.

The Habitational Program from Kramer Insurance Agency was established to focus exclusively on habitational insurance and risk management needs. Our team has an extensive background in habitational risks and can assist you in the development of a comprehensive insurance program.

We can work with you to develop a plan that is suited to your individual needs.  Specialized Programs include the following coverages: 

  • Property and Business Income/Rent Coverage
  • Windstorm Hurricane, and Hail
  • Flood Insurance
  • Equipment Breakdown
  • General Liability
  • Employment Practices Liability Insurance
  • Directors and Officers Liability
  • Multiple Umbrella Options


Contact us today for more information about  our Habitational Program  or fill out our online quote form.