What’s the difference between term and whole life insurance?

Term insurance covers you for a specified term, usually 10-30 years. Due to its limited coverage, premiums are lower on these products. Whole life insurance, as the name implies, covers you for the entirety of your life. It also offers an accumulated cash value.

Why do I need errors and omissions insurance if I have general liability insurance?

General liability insurance protects you against physical liabilities, like slip and fall incidents. Errors and omissions insurance offers liability protection in cases where misinformation causes financial or reputation damage for another person or business.

What is uninsured driver coverage? Don’t we all need insurance as drivers?

Absolutely. In Ontario, it is illegal to drive an uninsured vehicle. That said, there are some who drive without insurance. If you are in an accident with an uninsured driver, your uninsured driver coverage ensures you are financially protected no matter who is at fault in a collision.

Insurance Broker in Gravenhurst

Seated in Muskoka Region, Gravenhurst, Ontario, attracts tourists from all over. With more than 12,000 residents, countless residential dwellings, businesses, and rentals, what this town is really known for are cottages. Fortunately, Ron Johnston Insurance has a wide range of insurance products to protect all your Gravenhurst investments, including:

Home Insurance in Gravenhurst

Living in Gravenhurst means home insurance is a must. There are five standard forms of home insurance:

Whether you rent or own, you can expect a standard home insurance policy to cover:

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

Within your policy, certain perils are automatically covered, while others will need to be added to your policy through extended coverage. A basic policy includes protection against:

Fire
Wind
Lightning
Explosion
Theft
Vandalism

Auto Insurance in Gravenhurst

Driving in Gravenhurst requires auto insurance. Ron Johnston provides insurance on multiple vehicles, such as:

Within your auto insurance policy, you can expect coverage against:

Collision damage
Emergency and tow services
Medical fees
Liability
Uninsured drivers

Life Insurance in Gravenhurst

Life is unpredictable, but life insurance isn’t. Provide stability and peace of mind with one of five life insurance products from Ron Johnston Insurance. Our Gravenhurst clients can count on customizable life insurance coverage including:

Commercial Insurance in Gravenhurst

Owning a business in Gravenhurst is a big responsibility with many risks to consider. From property damage to liability issues, Ron Johnston Insurance offers protection for your business through commercial insurance products like:

Travel Insurance in Gravenhurst

Travelling outside of Canada means leaving your federal and provincial healthcare coverage behind. Travel insurance helps protect you from financial hardship due to illness or injury while abroad. It also offers standard and extended coverage options on: