Bismarck, ND Insurance Agents
Your Partners for Life
Kramer Agency
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About Kramer Agency
Insurance Coverage for Families, Individuals, and Businesses
Kramer Agency is a locally owned and operated independent insurance agency in Bismarck, ND. We help businesses and individuals protect what matters most when it matters most. Below are some of the types of coverage we offer. Contact us today to review your policy!
What type of insurance are you looking for?
Bonds
By guaranteeing the timely payment of principal and interest, we can enhance the credit rating of bonds, making them more attractive to investors and allowing for more favorable borrowing terms.
Auto & Classic Auto
Whether you're protecting your everyday vehicle or a prized vintage automobile, our coverage options offer peace of mind with protection against accidents, theft, and unforeseen damage.
Home & Condo
With a focus on personalized service and local expertise, we work closely with clients to craft insurance solutions that fit their unique living situations and offer the protection they need to feel secure at home.
Business & Professional Liability
From property and liability coverage to specialized policies for specific industries, our team works closely with business owners to understand their operations and craft customized protection plans.
Life
Our experienced team helps you find the right policy to meet your long-term goals and protect your family's future, with a focus on personalized guidance and dependable service.
Umbrella
Our affordable coverage is designed to safeguard your assets and future against major claims and lawsuits, offering peace of mind when the unexpected happens.
Other Insurance
Safeguard your lifestyle and recreational investments. Get coverage for your boat, RV, or motorcycle, giving you the confidence to enjoy life’s adventures with peace of mind. We also offer flood insurance.
Our customers say it best!
Justin helped us get insurance on our home and rental property. He was very thorough and professional. He made sure we didn't have any questions and reviewed the policy with us in detail. I would highly recommend working with a local agent at Kramer Agency!
Kenzie Meide
We have had Kramer Agency as our Insurance carrier for several years. They are extremely knowledgeable and helpful with all of our needs. I highly recommend them.
Rob Knuth
Pat and Staff are always available on the spot whether its during working hours our after hours. Pat is always there to advise me on what kind of coverage would be most beneficial to protect our company.
Paul Barnum
FAQs
What types of insurance does Kramer Agency offer?
We provide a full range of personal, commercial, and specialty insurance products. That includes auto, home, condo, business, life, umbrella coverage, and surety bonds. As an independent agency, we partner with multiple trusted carriers to help you compare options and find the right fit for your needs and budget.
Why should I choose an independent agency like Kramer instead of a single-company insurer?
As an independent insurance agency, we’re not tied to one provider. That means we can compare policies and prices from many top-rated companies on your behalf. You’ll get objective advice, competitive rates, and a policy tailored to your situation—not a one-size-fits-all product.
How do I get a quote?
You can request a quote directly through our online quote form or by calling 701-255-4502. We’ll gather a few details about your desired coverage and quickly return with options and rates.
Does Kramer Agency serve clients outside North Dakota?
Yes! While we’re proudly based in Bismarck, North Dakota, we’re licensed in multiple states including Minnesota, South Dakota, Montana, Nebraska, and several others. Our experienced agents can help you secure coverage whether you live locally or across state lines.
Can I bundle my auto and home insurance for a discount?
Absolutely. Many of our carrier partners offer substantial multi-policy savings. By bundling your auto, home, and umbrella coverage, you can simplify your insurance and save money at the same time.
What should I do if I need to file a claim?
You can contact our office directly, and we’ll help you through every step of the claims process. We’ll connect you with your carrier, explain what information is needed, and make sure your claim is handled quickly and fairly. Our goal is to minimize stress when unexpected events happen.
How often should I review or update my insurance policies?
We recommend reviewing your policies at least once a year—or anytime you experience a major life change such as buying a home, adding a vehicle, or starting a new business. Our agents are happy to perform complimentary annual policy reviews to ensure your coverage still fits your needs.
What makes Kramer Agency different from other insurance providers?
Our agency has built a reputation on personal service, local expertise, and lasting relationships. We take the time to understand your unique risks and goals, then match you with reliable coverage options backed by trusted carriers. With decades of combined experience, we’re proud to be the agency our community counts on.
