Insurance Blog

Visit the Ron Johnston blog for the latest in insurance resources, tips, tricks, updates and more.

Insurance premiums are not random numbers. They are based on risk, data, and pricing models that insurers use to predict the likelihood of a claim. Understanding how premiums...

Jack

Commercial Truck Insurance: Everything You Need To Know

Commercial trucking keeps supply chains moving, but it also carries high risk. One accident, cargo issue, or liability claim can lead to serious financial loss. Commercial...

Ava

What Insurers Look at When Assessing Climate Risk for Homes

Climate risk is now a central factor in home insurance underwriting. Insurers evaluate how environmental exposure...

Jack

Does Home Insurance Cover Roof Leaks?

Roof leaks rarely happen at a convenient time. Many homeowners first notice the problem during heavy rain, rapid snow melt, or after a winter storm, when water stains or...

Ava

Term vs Permanent Life Insurance in Canada 2026

Life insurance decisions in 2026 are shaped by higher living costs, longer life expectancy, and more Canadians reassessing long-term financial protection. Choosing between term...

Jack

Are Insurance Policies Getting More Restrictive in Canada in 2026?

Many Canadians are asking the same question as they review their renewals or experience claim delays: Are insurance policies getting more restrictive in 2026? The short...