Pepper, Johnstone & Company Blog

All You Ever Wanted to Know About Insurance

"What is umbrella coverage? Doesn't my business have enough liability coverage already?"

Umbrella insurance is an apt name for this coverage that extends over and beyond other underlying policies to protect your business or home. You may believe that you have the coverage that you need, but umbrella...

Read More


A "Lending Tree" approach to insurance: why independent insurance agencies look out for you better.

So, when you get ready to purchase an insurance policy for auto or home, who comes to mind? State Farm? Nationwide? Allstate? That’s what a lot of people would say. However, there’s a better, more effective, more...

Read More


Insuring Jewelry: How to Know if Your Coverage is Enough

A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

Read More


Tips for Buying a Safe Car

You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

Read More


How to Lower Your Auto Insurance Bill

It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

Read More


Love Bites – Get Umbrella Coverage

In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

Read More


Safety Tips for Your Summer Swims

When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

Read More


What to Do After a Car Accident in Winter

Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

Read More


Protect Your Family From the "Silent Killer"

Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

Read More


Tips for a Safe Fourth of July — From Food to Fireworks

Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

Read More