For more than 50 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection.
Condo Insurance
from Pepper, Johnstone & Company
Condominium insurance is unique. The condo insurance you buy covers your personal property, liability and those parts of the unit that are your responsibility. It may also protect you from certain assessments levied by the condo association. And you’re covered for costs you incur over normal living expenses if you have to vacate your home.
Protect Your Belongings
Your home is filled with things that are important to you. Condo insurance can include personal property protection, which can travel with you wherever you happen to be in the world. Should you choose this protection, and the policy will pay the full replacement cost without deduction for depreciation, up to the limits you select.
Protect Yourself and Your Guests
Condo insurance protects you and your family against bodily injury, property damage claims, and litigation up to the limits you select. And if a visitor is injured on your property, or by you or a household member, the policy will pay covered medical expenses, up to the limits you select.
Get the Right Amount of Coverage at the Best Price
The more information you provide us, the better Pepper, Johnstone & Company can assist you in creating a condo insurance policy that’s right for you. Ask about discounts for burglar alarms and for having multiple insurance policies with the same insurance company.
Extra Coverage Doesn’t Have to Cost a Lot
Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. And if you have special possessions such as jewelry, art, antiques, or collectibles—ask about scheduled personal property coverage.
Frequently Asked Questions
about everything insurance
Always contact us first, so we can best advise you on whether filing the claim makes sense or can adversely impact your future premiums and is best for you to self-insure the loss. Don’t make the mistake of filing a small claim, since all claims stay on your claims record for 5-years, which will impact your insurance premium for a 5-year period. Let our in-house claims advocates help guide you through this process.
The amount of loss paid by the policyholder. Either a specified dollar amount and/or a percentage of the total value. The larger the deductible, the lower the premium charged for the same coverage, since you are assuming a higher loss amount by taking a higher deductible. Insurance carriers only pay losses above the deductible amount, so if the loss incurred is not substantially above your deductible, it’s usually best to self-insure (i.e., pay the loss yourself out-of-pocket) by not filing it with your insurance carrier.
What do people think about us?
Hear from some actual clients.
on Google
We recently switched our home and auto policies to Pepper, Johnstone & Co and have had a great experience. Their entire team is not only knowledgeable but down to earth and willing to share their time, tips and creative ideas. They’ve helped us to achieve to comprehensive protection at the lowest possible cost. I would recommend Pepper, Johnstone and Co to anyone.
— J.W. E.
on Google
I am always pleased with the gracious and prompt responses to my insurance inquiries, to my specific insurance needs regarding several policies with Pepper, Johnstone & Company. The staff, especially Lauren Hart, makes every effort to take care of my insurance needs, addressing many concerns. I could not be more pleased and feel more secure knowing these folks are taking care of business for me and in my best interest.
— Teresa H.
on Google
Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.
— Jeremiah H.
on Google
This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years.
— Janet F.
on Google
I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
— Russ L.
on Google
I have dealt with Pepper Johnstone and company in the past and have always had a good experience. This past week I needed a policy, I called Julie and she efficiently, and promptly quoted and bound coverage on the property. I would highly recommend Pepper Johnstone.
— Sharon K.
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