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About Us

As an independent full-service insurance agency, Advantage Insurance owned by Steven Kramer and Lee Kirsh represents approximately 14 personal line carriers and 80-plus commercial carriers, enabling you to choose the best-suited product.

When choosing an agency, you can always trust Advantage Insurance. Steven Kramer has been in the insurance business for over 30 years. “We don’t work for an insurance company, we work for YOU.” Our agency works on your side when you have a loss and follows through to see that you get fair prompt payment.

Advantage Insurance is also one of the largest insurance agencies that supply insurance for independent car dealerships in Pennsylvania. They are also one of the largest independent insurance agencies for non-profit organizations in the five-county area.

An Independent Advantage

We are Independent Agents in Langhorne, Pennsylvania, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Advantage Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.