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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

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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.

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