Skip to content Accessibility info

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 provides coverage for the interior (walls-in) of your condominium unit, including your personal property, liability, and any parts of the unit that are your responsibility. It may also protect you from certain condo association assessments and provide coverage for additional living expenses if you need to temporarily vacate your home due to a covered event.

You need condo insurance to protect your condominium unit and belongings in condos against covered loss, such as fire, theft, or water damage, and to help cover assessments for repairs to common areas shared by all residents.

Yes, if you choose personal property protection, your belongings are covered anywhere in the world. This includes full replacement cost coverage (without depreciation), up to the limits specified in your policy, ensuring your possessions are protected whether you're at home or away.

If a guest is injured inside your condo or due to the actions of you or a household member, condo insurance will cover medical expenses and protect you against bodily injury or property damage claims, up to the coverage limits you’ve selected.

Yes. You can add scheduled personal property coverage for valuables like jewelry, art, or antiques. Additionally, a personal umbrella liability policy can be added for broader coverage and higher liability limits, often at an affordable cost.

J.W. E.
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.
Teresa H.
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.
Jeremiah 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.
Janet F.
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.
Russ L.
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.
Sharon K.
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.