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Personal Insurance

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Private Client Insurance

At Pepper, Johnstone & Company we take pride in getting to know each and every one of our individual and family clients – from their individual risk tolerance to the names of their children.  By establishing a close relationship with you, we gain a better understanding of:

  • Your specific needs
  • Your particular goals
  • Your explicit concerns

A personal insurance blueprint is then designed to protect against the loss of property, belongings and other important possessions through sound risk-transfer strategies and insurance products. Our Private Client Insurance practice provides comprehensive insurance and risk management services designed to enhance protection and minimize threats to the personal wealth and safety of our clients and their families.

As an individual or a family, you alone may have to plan for your future, your business and your assets.   Pepper, Johnstone & Company partners with its clients and takes care of the big picture.  We don't advise in just one area – we're here for all of your insurance matters. We believe in constant communication and superior client service. Whatever your needs, Pepper, Johnstone & Company is here to help.

Skilled Professionals

Our team of professionals are devoted to serving individuals and their families. This focused approach provides our professionals the experience and knowledge to understand your specific needs and objectives. The result is a comprehensive, customized insurance program that protects against and responds to most forms of risk.

Team Approach

Each client is represented by a team of professionals, directed by a principal of the firm, to provide you with personalized service.

Our extensive insurance background provides us experienced insight into developing personal insurance programs which include protection for a variety of personal insurance needs.

You have a lot of choices when it comes to how and where you buy your Athens auto insurance. Choosing an independent insurance agency like Pepper, Johnstone & Co. ensures you still have choices, but also have a trusted advisor that you can depend on to help you find the policy that best fits your needs.

Pepper, Johnstone & Co. works with a wide range of insurance companies that offer reliable Athens car insurance. Contact us today to find out how we can help you.


Wherever it is that you call home, whether a spralling estate in the country, a quiet suburban house, or a bustling downtown condo, Pepper, Johnstone & Co. can help you find the right Athens home insurance policy that fits your needs.

Whether you are buying your first home, relocating to the area, or simply reviewing your home insurance, Pepper, Johnstone & Co. is here for you. We specialize in making it easy to choose insurance policy options that work for you. Contact us today to find out what we can offer you.

Whether you’re shopping for your college student, just starting out yourself, between houses, relocating, or simply downsizing, Pepper, Johnstone & Co. can help you pick the Athens renters insurance policy that best fits your needs.

We partner with reputable insurance companies to ensure a wide range of choices to meet your unique needs. Be sure to ask us about discounts for apartments with security systems and customers who insure their cars with the same company as their renters insurance policy.


Your time out on the water should be relaxing and fun (and safe!). Be sure your watercraft and equipment is properly insured. Pepper, Johnstone & Co. offers customized policies that meet your needs and your budget. Our partnership with multiple insurance companies allows us to find just the right coverage for you.

Whether you've bought your first boat, expanded your fleet to include a couple of JetSkis, or are simply reviewing your options, Pepper, Johnstone & Co. can help with your Athens boat insurance needs. Contact us today to find out how we can help you.

If you're shopping for insurance for your first motorcycle, you have a lot of coverage options to consider. Pepper, Johnstone & Co. can help you look at all the choices, and put together a motorcycle insurance policy that works for you and your budget.

If you're looking to insure your newly upgraded ride, or simply reviewing your policy (always a smart idea!), we're happy to help you explore all of your Athens motorcycle insurance options.

Let Pepper, Johnstone & Co. review your needs and make a recommendation for a policy that fits your unique needs. Contact us today to learn more.


While your condo association likely carries an insurance policy that covers their property and the physical structures as well as common areas on the property, as a condo-owner, you want to ensure your property and possessions are adequately covered. From your appliances to your personal possessions to the upgrades you've added to the unit, Pepper, Johnstone & Co. can help you ensure that you're insured.

Pepper, Johnstone & Co. partners with many insurance companies that offer complete Athens condo insurance. Contact us today to find out how we can help you.

Whether you hit the road a couple times per year or spend months at a time seeing the countryside from your RV, Pepper, Johnstone & Co. can help find the right RV insurance policy for you.

The insurance companies we work with provide a wide range of coverage options, from vacation liability to 24/7 roadside assistance.

Pepper, Johnstone & Co. has helped many Athens RV owners with their insurance needs. Contact us today to find out how we can help you too.


As a rental property owner, you're no stranger to the challenges that come with being a landlord. No two rental properties are the same, and the insurance coverage needed for your real estate investments is just as unique. While you don't need to worry about insuring the personal possessions of your tenant, there's a whole host of other coverages to consider, from liability coverage for legal fees to workers compensation for your maintenance or administrative employees.

Pepper, Johnstone & Co. works with insurance companies that offer insurance packages specifically for Athens landlords. Contact us today to find out more.

It's an oddity that flooding is the most common natural disaster in the United States, yet it's not covered under a standard home insurance policy. While not every home is at high risk for flooding, it's important to understand how risk is identified and whether flood insurance is something you should consider.

Pepper, Johnstone & Co. insures homes of all kinds. Some homeowners definitely need flood insurance, while others don't live in a high-risk area and can get by without it. Let us evaluate your needs and help you decide if flood insurance is advisable. Contact us today to learn more.

Classic Car

Insurance for classic cars is a bit more involved than the average auto insurance policy, but Pepper, Johnstone & Co. can help you find the right balance between coverage and your budget.

Whether you're restoring an antique or just purchased a classic car, you'll want to protect your investment.

Pepper, Johnstone & Co. works with insurance companies that specialize in insuring classic and antique cars. Contact us today to find out more.

auto and home insurance policies have limits to how much will be covered. If faced with paying claims that are beyond what your insurance policy covers, an umbrella policy kicks in and provides you with additional protection.

Whether you're a homeowner or drive a car, motorcycle, boat, RV or ATV, an umbrella policy should be considered.

Pepper, Johnstone & Co. works with many insurance companies who offer affordable umbrella policies. Contact us today to find out how we can help you.


90% of Americans live in areas considered seismically active, but most homeowner, condo, and renters insurance policies don't cover earthquake damage. The limits of what your policy covers can be confusing, but our professional agents have the expertise to help you decide if you should consider earthquake insurance.

Pepper, Johnstone & Co. works with many insurance companies that offer additional Athens earthquake insurance. You may even be able to obtain a policy from the same company who insures your home. Contact us today to find out more.

From ATVs to golf carts to snowmobiles - whatever you drive for some off-road fun, we can help you insure it.

Pepper, Johnstone & Co. works with many insurance companies that offer a range of discounts that you may qualify for.

We take pride in offering professional customer service for all our Athens customers. We're committed to offering choices for all insurance needs and budgets. Contact us today to find out more.