Compare Johnson home insurance quotes with other top insurance companies.

On average, Canadian homeowners save hundreds of dollars per year by comparing quotes with us.

Get quotes from 50+ Canadian providers in 3 minutes.

 

29,475 Canadians

have compared rates and saved money over the last 24 hours

Join the millions of Canadians saving money on home insurance

The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for home insurance by comparing insurance providers before you settle on one. LowestRates.ca makes comparing multiple home insurance companies a snap. We don’t sell insurance — we’re completely independent — but we can show you which insurer is offering the lowest price. Just enter your postal code and in 3 minutes we’ll show you rates from Canada’s big banks and independent lenders. Best of all? It’s free.

What people say after comparing rates on LowestRates.ca

June 2
Professionalism
The staff that spoke with me was patient and professional. She has a good human ...
Gbemisola Eyinfunjowo
June 2
Very clear explanation of coverages…
Very clear explanation of coverages available and receptive to understanding my ...
customer
June 2
quick response from multiple brokers…
quick response from multiple brokers with competitive quotes
Yan
June 1
Very helpful and to the point
Very helpful and to the point, an easy transition from my previous company and v...
Jody Deforge
May 31
I was looking for home and auto…
I was looking for home and auto insurance, received a quote online, and within s...
Ilda Faria
May 31
Great service
Great service
Russell Hall
May 27
Quick and easy
Quick and easy, quotes in minutes. Great customer service reps, helpful and know...
Mary
May 26
I was very leary about getting…
I was very leary about getting insurance through an online agency, but everythin...
Mr. Dubious
May 25
Very easy
Very easy! Call back right away and set up with new insurance provider fast and ...
Wendy Weber
May 19
First time driver
Made the insurance process easy and found the best price for me. Amazing custome...
Dylan Ingram
May 19
Very simple and quick
Very simple and quick
Shannah B
May 17
Helpful agent
Helpful agent. Made me feel like he was really trying to get me the lowest rate ...
Denise
May 17
Customer service was great
Customer service was great
Nur
May 17
This company a good comparison between…
This company made a good comparison between some insurance companies and this wa...
Reza Moemeni
May 17
Good service and information
Good service and information
Reta
May 17
questions answered
questions answered
Aaron Ridsdale
May 16
Excellent customer seevice
Excellent customer seevice
Dave Roach
May 13
Agent listened and answered all…
Agent listened and answered all questions. She was very thorough and quick!
Ben Reginella
May 11
Simply professional and pleasant
Simply professional and pleasant Thank you 👍
Eric Ifrah
May 11
Very polite and explained themselves…
Very polite and explained themselves well
Marilyn Bergeron
May 10
Easy & Professional
Easy, fast, efficient & professional.
Nancy
May 9
Great service
Great service Very pleasant to talk to
Joesph Vachon
May 6
Fast and easy
They phoned me literally within 30 seconds after my search and helped answer all...
Haley Adkins
May 5
I got the lowest rates I was looking…
I got the lowest rates I was looking for. Thank you.
Muhammed Ibrahim

How comparing home insurance quotes works. Hint: it’s free!

Compare

Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.

Save

When you find the best quote, secure your rate by talking to a licensed broker or agent.

About Johnson home insurance.

Percie Johnson founded Johnson Insurance in St. John’s, N.L., in 1880. It remained a family business for the next century, with Percie’s son and grandsons leading the company through decades of growth.

In the 1950s, Johnson became the first Canadian insurance firm to offer clients a monthly payment option for their premiums. Ten years later, it became the first insurer to offer clients a complete range of benefits under a single plan, with a single payment.

Today, Johnson is a subsidiary of RSA Insurance Group, a U.K.-headquartered multinational insurance company. RSA added Johnson to its portfolio of Canadian companies in 1997, which also include Western Assurance and Canadian Northern Shield. Johnson has 1,400 employees and 30 offices across Atlantic Canada, Ontario, Alberta and British Columbia. It reaches other parts of Canada via its website with a general focus on home insurance (excluding Nunavut) and auto insurance, except in B.C., Saskatchewan and Alberta.

Johnson’s policies are primarily underwritten by Unifund Assurance Company, another subsidiary of RSA Insurance Group. Johnson also offers group benefit programs.

In 2018, Johnson launched a rebranding campaign to promote itself as a customer-centric company. Its mascot, a Newfoundland dog named Johnson, represents the firm’s Maritime roots.

How consumers review Johnson home insurance.

Johnson's home insurance arm placed seventh on J.D. Power’s 2019 Overall Customer Satisfaction ranking for the Atlantic provinces and Ontario with a total score of 756 out of 1,000. It ranked highest among companies with “average” scores and came in 35 points behind The Co-operators, which topped the list with a score of 791.

It did not rank in Quebec or Western Canada, indicating it didn’t have enough customers in those regions to generate a statistically significant score.

ProvinceUser satisfaction rating
Atlantic/Ontario

 

 

 

 

 

Quebec region
Western region
 

How to get the cheapest home insurance quote

Getting insurance for your home is easier than you think. To get the lowest rate possible, the Financial Consumer Agency of Canada recommends following these steps when shopping for home insurance.

Compare home insurance quotes from various providers.

Ask your broker or agent about bundling your home and car insurance policies.

Ask your broker or agent about which discounts you qualify for.

You might be able to further reduce your by increasing your deductible (the amount you pay toward a claim before your insurance kicks in) and by offering to pay your insurance bill annually instead of monthly.

Increasing your deductible is a great way to save on home insurance in the short term, just make sure you have money reserved for this purpose. Focusing on finding cheap quotes isn’t always a good idea. Having the right amount of coverage — now that should always be the goal.

Factors that determine your home insurance quote

Your home insurance policy will be customized to suit your needs and the property you’re insuring.

Home insurance premiums are determined by dwelling type (is it a single-detached home, a house with a basement tenant suite, or a condo?). Insurance companies also try to predict the kind and size of claim you might make in the future.

Here are some of the criteria insurance companies look at when calculating your premium.

  • The square footage of your home.
  • Contents and quality of construction.
  • The location of your home.
  • Distance to a fire hydrant.
  • Your insurance claims history.
  • The age of your roof.
  • Your home’s plumbing.
  • Your home’s electrical system.

The Johnson home insurance advantage.

Discounts

  • Bundling discount: Johnson offers discounts on premiums for homeowners who use the company’s other insurance products as well.
  • Affinity Group Discount: If you belong to a group with which Johnson has an affinity program, such as a professional organization, you may be eligible for discounts on your home policy.

Special programs

Umbrella Liability - Johnson home insurance customers may be eligible for the company’s Umbrella Liability policy add-on. This program extends your personal injury and liability coverage by up to $5 million on top of your policy’s existing benefit. It also offers protection in the event of various legal risks.

Enhanced Water Coverage - Johnson offers insurance options to protect against water damage to your home. The basic product is the “Limited Sewer Backup Endorsement,” which protects against backup or water escape from sewers, sumps and septic tanks.

If you experience a sewer backup, this policy will also pay $1,500 toward the installation of an approved loss-prevention device to protect your home going forward. Johnson’s Enhanced Water Coverage includes all of the features of the Limited Sewer Backup endorsement and adds coverage for damage from freshwater flooding. It also covers water escape from downspouts, eavestroughs and drains.

Johnson has also introduced a new program for water and sewer lines connected to your home. It offers up to $15,000 in coverage.

Other endorsements - For additional premiums, Johnson will provide coverage for concerns such as home business, watercraft, special items, identity theft and building code changes that make the cost of replacing your home in the event of, say, fire, more than the coverage in your existing policy. Speak to your broker or agent for details.

Is there an app?

The Johnson Insurance Connect app is available on iOS and Android. The app allows users to access their home and auto insurance information while on the go. The app allows users to do the following; use your smartphone to display your card instead of carrying a hard copy, submit a claim or loss for your home or vehicles (as well as take pictures to upload with the claim, update your insurance information, review your policy snapshot or contact an agent.

How to submit a claim with Johnson home insurance

Johnson offers a 24/7 telephone claims service. Customer service representatives will explain your options and make arrangements for the repair of your property.

Phone:
Home and auto claims: 1.844.230.2274
Hours of availability: 24 hours

General Inquiries: 1.844.896.6977
Hours of availability: Monday - Friday: 8 a.m.- 6 p.m. (EST), Saturday - Sunday: Closed
Online:
Chat with a home insurance specialist on Johnson’s website
Hours of availability: Monday - Friday 8:30 a.m. - 6:30 p.m. (EST)

Submit a claim through the Johnson Insurance Connect app
Hours of availability: Download in Apple’s App Store or Google Play Store.

What else does Johnson Insurance do?

  • Auto insurance
  • Group benefits, including life, health, dental and disability insurance
  • Travel insurance (for group plan members)
Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

Read More

Home insurance news

Read More Like This