I have multiple insurance policies with you, do I get a discount?

Bundling your insurance policies is a great way to save money as premiums add up. Ron Johnston is all about helping our clients save. Ask us about which products you can bundle, and you might be surprised at the savings.

Why can’t I use house insurance on my cottage?

Seasonal homes tend to carry a higher risk than the house you live in year-round, because it is left unoccupied. Some cottage owners also choose to rent their seasonal homes, adding new potential perils to your coverage needs. Fortunately, when you work with a Ron Johnston Insurance broker, you can rest assured that we will get you the best rate for your cottage insurance while protecting your property from every angle.

Why doesn’t my farm fall under general business insurance?

Farming is a specific industry with bespoke risks not seen in other facets of the business world. To ensure all your equipment, crops, livestock, structures, and vehicles are protected, farm insurance offers the most coverage for your business type. You may also want to invest in additional liability and commercial insurance depending on the size of your farm and whether you have a board of directors, investors, or shareholders to consider.

Insurance Broker in Collingwood

Just north of Toronto sits Collingwood, Ontario. Nestled at the southern side of Georgian Bay and Nottawasaga harbor, Collingwood residents enjoy waterfront views, a bustling town centre, and easy access to the beautiful Blue Mountains. With so much to enjoy in Collingwood, it’s no surprise the town brings in business owners, tourists, and new residents every year.

Ron Johnston Insurance is proud to partner with our clients in Collingwood, offering a collection of specialty insurance products to help with every facet of life in town, including:

Home Insurance in Collingwood

Collingwood is home to more than 21,000 Canadians, including those who rent and own. Home insurance protects your house, apartment, or income property from financial risk. This coverage extends to:

Property and structures
Unattached structures (shed, fence, deck, and more)
Belongings
Liability

Ron Johnston Insurance offers home insurance products within five categories, these are:

Homeowners – If you own a home in Collingwood, homeowners insurance protects your property, house, extended structures, and belongings.
Tenant– Tenant insurance protects you where your landlord’s insurance does not – inside your unit. Tenant insurance also protects your belongings against theft, vandalism, and damage.
Renters– If you own income property in Collingwood, it’s important to protect yourself with renters insurance. Renters insurance protects the structure and property of your rentals, along with any common areas and shared belongings.
Condominium– Condominium owners require condo insurance to protect the interior of your home and belongings against damage and liability issues. Condominium coverage also protects you from additional costs and upgrades not covered through your condo board.
Cottage– Cottages and cabins require unique insurance compared to your home residence. Seasonal properties which aren’t occupied year-round have a higher risk of damage, vandalism, and theft.

Standard home insurance in Collingwood covers you against:

Fire
Wind
Lightning
Explosion
Theft
Vandalism

If you require additional coverage for unnamed perils, our brokers can help you with extended home insurance policy options.

Auto Insurance in Collingwood

In Collingwood, all drivers are required by law to have insurance on any vehicle on the road. Ron Johnston Insurance offers a range of auto insurance policies, depending on vehicle type and use. Currently, we offer coverage on:

Within your auto insurance policy, you can depend on coverage against:

Collision damage
Emergency and tow services
Medical fees
Liability
Uninsured drivers

In Collingwood, your auto insurance also protects your vehicle from falling objects, theft and vandalism while parked.

Life Insurance in Collingwood

Collinwood, Ontario is known as a safe place to call home, but life doesn’t always go as planned. Life insurance protects you financially if you become ill or injured or pass away. The money provided through your llife insurance policy may be used in various ways to benefit you, your family, and financial obligations, depending on the policy type.

At Ron Johnston Insurance, we specialize in life insurance products, such as:

Term – Term life insurance covers you for a selected term. You may choose a 10-30 year period of coverage, after which you can renew your life insurance.

Whole Life – Whole life policies protect you until the end of your life. They also accumulate a cash value the longer they are active.

Universal – Universal life insurance offers the same financial peace of mind toward end of life care as other policies, with the advantage of safely expanding your wealth. A universal policy allows you to invest and grow the cash value of your policy as you age.

Long Term Disability – Long term disability protection offers ongoing financial support in lieu of the income you are currently unable to earn. While the goal of this support is to help you recover and return to work, long term disability may extend until the age of retirement at 65.

Critical Illness – If you get sick and are unable to work, critical illness insurance offers you a lump sum payment to cover living expenses and medical care while you recover.

Commercial Insurance in Collingwood

Running a business in Collingwood has its potential perils. From slip and fall incidents to defective equipment, you never know when your business may put you in a financial bind. Commercial insurance protects you from risks associated with your business, both in terms of physical structure and employee accountability. Ron Johnston Insurance offers an assortment of commercial insurance products, including:

Commercial insurance can be used to pay for court fees, repair physical damage, or hire legal aid.

Travel Insurance in Collingwood

Leaving Collingwood? Travel insurance protects you in and out of Canada, above and beyond what your Canadian medical benefits cover. Whether you get sick in another country, or lose your luggage between Toronto and Alberta, we’ve got you covered. Ron Johnston travel insurance helps with: