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...

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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...

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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...

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Does Car Insurance Cover Snow Accidents?

Winter driving in Ontario brings real risks. Snow, ice, and reduced visibility increase the chance of collisions, slide-offs, and vehicle damage. Many drivers assume winter...

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How Much Is Home Insurance in Ontario Per Month?

Ontario homeowners face real weather shifts, rising repair costs, and changing rebuild prices. Monthly home insurance rates help spread the cost, but many still wonder what a...

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How Much Is Home Insurance in British Columbia

Home insurance protects your property and financial stability when disaster strikes. From coastal storms and wildfire risk to flooding and theft, British Columbia homeowners...