Johnston Insurance Agency

10/16/2026

Using a generator for emergency power? Help keep your home safe with portable generator safety information.

10/15/2026

Here's a story for you, It was a newer home or one that had recently been inspected.

No major storm. No frozen pipes. No obvious warning signs.

But a part in the dishwasher broke.

By the time it had been discovered, what was a simple part failure turned into a puddle that went from the kitchen to the living room.

It never made a sound, and there was no way of knowing till you saw it.

Thats the risk we are advising against when it comes to water coverage.

People think "it'll never happen to us" and chose to save a couple bucks...but they spend all that savings and more on fixing what went wrong.

You don't get to choose when something in your house breaks.

You do get to choose how prepared you are when it does.

10/13/2026

The hardest part about planning a funeral is not the planning the ceremony, settling the estate, cost of the funeral, or any of the logistical stuffs.

Its having to do all of that while in mourning.

The world doesnt stop and it doenst always give you the moment to just be sad. And we need that, its part of the healing process.

Life insurance does NOT fix the mourning, but it does make a lot of the noise go away so you can process that loss of life. All those costs and logistics can be covered so that your loved ones can focus on mourning you.

Its not a fun topic, but it does bring a peace of mind for an unplanned event.

10/13/2026

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough to protect them in the event of a major claim.

When a serious accident or unexpected lawsuit exceeds what your existing policies can cover, the gap between what you owe and what your insurance pays becomes very real, very fast. That’s where umbrella liability coverage comes in.

Umbrella liability insurance covers costs that would otherwise come straight out of your pocket. With relatively low annual costs, this comprehensive coverage can be one of the most affordable ways to fully protect what you love.

So, if you’re curious about whether umbrella insurance makes sense for your situation, please don’t hesitate to reach out to our team. We are here to help you run the numbers and see what makes sense.

10/12/2026

Given the unpredictability and short warning times for tornadoes, it is critical to be prepared. Learn how to fortify your home to help enhance safety and minimize damage.

10/08/2026

We all know signs that insurance rates are going up, but here are indicators I see to say that rates could go down.

Right now (in Texas), carriers are saying the "G" word....they want to Grow.

Growth usually looks like products "refreshing" and new ones are coming out.

When a refresh happens, that means prices are being updated and usually it is lower.

When multiple companies are refreshing their pricing, that means competition has been introduced to the market. Which means that we have our pick of who can provide the best coverage and a new lower price.

This is what I'm seeing in my interactions with carriers. I anticipate things looking brighter for my clients, especially compared to the hard market we came out of (see my last post for a history lesson on that).

Weather you work with me or not, take this information with you when it's time to renew, if you have a good insurance broker in your corner, I think you will like what you find.

10/08/2026

October is Fire Prevention Month, serving as a good reminder that fire safety is not something to put off until an emergency happens. In the United States, one home structure fire is reported every 96 seconds, serving as a sobering reminder of the importance of fire safety.

So, that said, our team wanted to share a few practical tips worth reviewing this season:

⚫ Know the leading causes - Cooking and heating are the two leading causes of home fires in the United States. Never leave cooking unattended, keep flammable materials at least three feet from heat sources, and check electrical cords regularly for damage or fraying.

⚫ Check your smoke alarms - Test them monthly, replace batteries annually, and fully replace any alarm that is 10 or more years old.

⚫ Have an escape plan and practice it - Plan two ways to escape from every room, make sure all windows and doors open easily, and designate an outdoor meeting place.

⚫ Know how to use a fire extinguisher - Remember the acronym PASS: Pull the pin, Aim low at the base of the fire, Squeeze the handle slowly, and Sweep the nozzle side to side. If you are not confident, get out and call 911.

⚫ Build safer daily habits - Never leave portable heaters or fireplaces unattended, keep matches and lighters locked away from children, avoid overloading outlets, and turn off all appliances before leaving the house or going to bed.

Fire prevention is a shared responsibility, and a little preparation goes a long way. If you have further questions about fire safety, we encourage you to reach out to your local fire station.

And if you have any insurance questions or needs, please don’t hesitate to reach out to our team. We are here to help you.

10/06/2026

Insurance History Lesson:
Who remembers the 2021 ice storms?

Some of us called Icemigedon or the Snowpocalypse. Either way, we had serious feezes here in TX. A place that gets summer 10 out of 12 months of the year and isnt equiped for long term freezing temperatures.

And all that snow lead to a black swan event in the insurance world.

Water pipes burst, roofs got beat up, and people who wern't use to driving on ice got into accidents. And the claims that came with these wernt small, they were what the coverage companies considered "catastrphoic losses".

At the same time we were still coming out of covid and the economic impact of the shut downs.

When you mix it all together, it created what was considered the hardest market we have ever seen in DFW, if not Texas as a whole.

And we felt it. The cost and lack of options was real.

But the good news is that market thawed and things are looking better as of 2026. We'll talk about that in the next post, but for now just remember, when the prices change there is always a "why" behind it.

10/06/2026

Cyber threats are not just a concern for large corporations. In fact, small- and mid-sized businesses often face increased risk. This Cybersecurity Awareness Month, we are sharing a reminder of a few practical ways to strengthen your cyber defenses.

Of course, even with strong prevention measures in place, a cyber incident can still happen, and the cost of recovery can add up quickly. Having the right cyber liability coverage can help your business respond more effectively.

Have questions about cyber insurance or want to review your current coverage? Reach out to our team today.

10/05/2026

Being caught in the path of a hurricane can be scary. Know what to do during and after a hurricane with information from Travelers.

Being caught in the path of a hurricane can be scary. Know what to do during and after a hurricane with information from Travelers.​