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Home Business Insurance

If your home is damaged, it’s bad news. If your income depends on working from your home, it’s even worse. We protect your home office contents, your income and you from the unforeseen, so that you can keep taking care of business.

Included in your policy:

  • Up to $25,000 for business property that you keep in your home

  • Up to $10,000 for computer and software

  • Up to $5,000 off-premises coverage (covering client visits, risks in transit, valuable papers, etc.)

  • Up to $10,000 for loss of earnings

  • Liability (not including professional liability) to the same limit you choose for your Johnson home insurance policy

Enhanced Water Coverage

We don’t want to put a damper on things, but with water-related claims on the rise in Canada, it’s now more important than ever to protect your home against water damage. We provide access to the following comprehensive water coverage options*:

The Basics

Limited Sewer Backup Endorsement

Protects your property from direct physical loss or damage caused by:

Sewer back up & overflow

Sump pump failure

Septic tank overflow

The Works

Enhanced Water Coverage Endorsement

All the basics, plus protection against damage caused by:

Sewer back up & overflow

Sump pump failure

Septic tank overflow

Freshwater flooding (includes rapid and sudden melting of snow or ice)

Eaves, downspouts and drains

In the event of an insured sewer back-up loss, we’ll pay up to $1500 to install an approved sewer back-up loss prevention device to protect your home in the future!

Optional - Water Service Line Coverage

Looking for the complete package? This additional insurance protects the water and sewer lines connected to your home and offers up to $15,000 in coverage. Available to Johnson homeowner or rental dwelling insurance customers.

*Enhanced water coverage not available in Saskatchewan, Yukon and Northwest Territories.

Watercraft Insurance

Cast off without a care. We’ll protect you and others, so you can enjoy your sailboat, powerboat or cruiser, and the accessories that go with it.

Included in your policy:

  • Coverage for physical damage to the boat, motor and trailer

  • Liability - Up to the limit in your home policy

Eligibility

This coverage is ideal for the following:

• Pleasure-use watercraft, up to 26 feet

• Inboard/outboard, or outboard

• Fibreglass boats up to 15 years old

• Other types of boats up to 10 years old

• Boats valued up to $50,000*

*Larger boats may be accommodated through our special risk partners

Landlord and Rental Income Insurance

Damage to a rental property can be a big hassle—insuring a rental and making a claim shouldn’t be. Designed for the landlord with one or two units, this insurance protects your rental property and the income you’re banking on.

Included in your policy:

  • Dwelling building coverage

  • Fire and extended coverages - If your home is damaged, this helps pay the costs of repairs or rebuilding.

Optional extras:

• Liability insurance

• Landlord contents coverage – We’ll cover the cost of repair or replacement of any contents (e.g.: appliances) in your rental that are owned by you.

• Water damage/sewer backup - Extra coverage for damage caused by water, not already included in your policy.

• Coverage for loss of use and rental income - If the property you rent out is unlivable due to an insured loss, will you be able to make mortgage payments? If you count on that rental income, add this coverage to your policy so you can rest easy.

Eligibility

Only well maintained and regularly inspected rental units qualify for this coverage.

Secondary Residence Insurance

Your year-round, home away from home deserves the same protection as your primary residence. Your second residence insurance will include the same great coverages as your home insurance policy, plus you’ll get access to some optional extras.

Included in your policy:

  • Home and contents coverage

  • Personal liability insurance

  • All-risk coverage

Optional extras:

• Water damage/sewer backup - Extra coverage for damage caused by water, not already included in your policy.

• Guaranteed replacement cost - Tops-up your coverage if the cost to replace your home is higher than the coverage amount stated in your policy.

Seasonal Home Insurance

A cottage, a ski chalet, a cabin or a condo…wherever you escape to, let’s make sure your getaways are secure. Because your seasonal home is a home too.

Included in your policy:

  • Fire and extended coverages - If your home is damaged, this helps pay the costs of repairs or rebuilding.

Optional extras:

• Vandalism, malicious acts and burglary coverage - If vandals or burglars damage your home, this helps pay the costs of repairs or rebuilding.

Let's see if you qualify for an exclusive group rate!

Are you a new or existing Johnson customer?

Are you part of a group?

You may be part of a group and not even know it!

When in doubt, search by group name, including universities and colleges you’ve previously attended. Try your employer, professional or retiree association, college, university, alumni, union or credit union. (example: Ontario Nurses Association)

Alternatively, you may have been provided with a group code (example: RT or 21).

    Can’t find your group?Chat with a representativeor call 1.888.777.1057

    results

    Example: Ontario Nurses Association or G1

    Please enter your group name or group code.

    I understand that the provided quote is an estimate, and that my eligibility for insurance is dependent on my membership to a Johnson group.

    Don't worry! You can still get a car quote with our affiliate company belairdirect, which has great rates and discounts for individuals. Keep it simple with customizable coverage and smart digital features that make buying car insurance online easier than ever.

    Don't worry! You can still get a home quote with our affiliate company belairdirect, which has great rates and discounts for individuals. Keep it simple with customizable coverage and smart digital features that make buying home insurance online easier than ever.

    Don’t worry! You may still be able to get a quote with our affiliate company BrokerLink.

    Call to find out more

    1.800.272.8840

    We apologize, Johnson Insurance does not offer auto insurance products in your area at this time.

    Don’t worry! As an existing customer, you may still be able to get a quote with us.

    Call to find out more

    1.888.777.1576

    Can’t find your group?Chat with a representativeor call 1.888.777.1057

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    Insurance that fits your condo

    You can now get a quote online with belairdirect

    Discover belairdirect

    You can now get a quote online with belairdirect

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    Condo Insurance

    As a condo owner, your insurance needs are special. There are some areas of your home that are covered by your condo corporation, and others that aren't.

    It looks like we don’t offer home insurance in your province!

    belairdirect is available in most Canadian provinces, but does not offer insurance in Manitoba, Saskatchewan, or the territories.

    belairdirect is available in most Canadian provinces, but does not offer insurance in Manitoba, Saskatchewan, or the territories.

    Already a customer?

    Existing customers will continue to receive coverage until their policy expiry date.
    Read our FAQs

    The condo coverage you need

    What makes condo insurance different?

    Even though your condo is your home, condo insurance and home insurance are very different. Homeowners are responsible for their living space as well as the structure and the property it’s on. With a condo, you only have to insure the interior of your place—the land, building and common areas are often insured by your condo association. However, your insurance policy needs to work with your condo building’s own policies and rules. So, it’s important to get your condo insurance from a company that understands the ins and outs of condo policies.

    Why do I need condo insurance?

    Condo corporations usually require each unit owner to have a policy in place to cover their personal contents, liability and any improvements they make to their unit. However, your condo corporation will have a policy in place to cover insured losses to the common areas of the building, property and fixtures, wall and floor coverings that were installed during the original construction of the building.

    Included in your policy:

    • Personal Property

      Helps pay the costs of repairs or replacement of your contents. Plus, it covers some additional living expenses if you have to temporarily move out

      or find a new home due to damage after an insured loss. Customize the amount of coverage you need.

    • Liability

      We'll help you cover the cost of damages if someone is accidentally injured at your condo or you unintentionally cause injury to someone (at home

      or elsewhere). Choose a coverage amount of $1 million or $2 million.

    • All-Risk

      This may cover potential damages to your property, such as fire, theft and vandalism. We even cover accidental damage by you in many

      circumstances. Coverage is all risk, meaning you will be covered for loss or damage other than from perils that are specifically excluded.

    • Unit Betterments & Improvements

      Coverage for repair or replacement of upgraded items in your condo, such as granite countertops, hardwood flooring, etc.

    • Unit Additional Protection

      Provides additional protection and coverage for damage to your unit if the condo corporation's policy covering the building structure has

      lapsed or is inadequate.

    • Loss Assessment

      This helps cover your costs if you have to pay a share of a claim against the condo corporation—damage to common areas, or if the corporation

      deductible is passed on to condo owners, for example.

    • Specialty Items

      Coverage for any high-value items you may have in your home that are especially valuable, like jewellery or art.

    • Identity Theft

      If your identity is stolen, there could be financial losses to deal with. You could also have legal fees, costs to restore your identity

      or lost wages to consider. Your policy may cover these costs up to a value of $30,000.

    Boost your plan with optional coverages

    We can personalize your policy to suit your specific needs; from home business insurance to enhanced water protection*. Browse our additional coverage options below.

    Home Business Insurance

    Enhanced Water* & Limited Sewer Backup Coverage

    Watercraft Insurance

    Landlord & Rental Income Insurance

    Secondary Residence Insurance

    Seasonal Home Insurance

    Get to know belairdirect. We can’t wait to meet you!

    Read our FAQs Visit belairdirect
    Disclaimer

    Johnson Insurance is a trade name of Johnson Inc., a licensed insurance intermediary, and operates as Johnson Insurance Services in British Columbia and as Johnson Inc. in Manitoba. Johnson Inc., belairdirect Agency Inc. and Belair Insurance Company Inc. share common ownership. 

    Visit Johnson Insurance - Quebec for plans available in Quebec.

    ®belairdirect. and ®Little Knight Design are registered trademarks of Belair Insurance Company Inc. We offer car insurance and home insurance in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador and Prince Edward Island and home insurance only in British Columbia. Certain conditions, limitations and exclusions apply to all our offers. Offers may change without notice. Not everyone will qualify for a phone or online quote. Insurance products provided by Belair Insurance Company Inc. Services provided by belairdirect Agency Inc. The group discount will be removed on renewal if the group arrangement ends or you stop being eligible as a group member. 

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