<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=674506317072409&amp;ev=PageView&amp;noscript=1">
Skip to content

Our Insurance Services

Albert "AJ" Johnson Insurance & Financial Services offers policies for all your needs - including home, life, auto, and commercial. 

Home Insurance

Click to Jump to Section!

Life Insurance

Click to Jump to Section!

Auto Insurance

Click to Jump to Section!

Commercial Insurance

Click to Jump to Section!

 

Home Insurance

You're sure to appreciate our flexible options for insuring your home and property.  With options to insure your physical property, belongings, and liability coverage available for homeowners & renters, we'd be happy to customize coverage options to meet your unique needs and budget!

Our home insurance solutions provide protection in three primary ways:

  • Dwelling Coverage - Coverage to help pay for physical damage to a home
  • Contents Coverage - Coverage that helps to replace your belongings following a covered event
  • Liability Coverage - Helps to protect you from loss if you're financially responsible for injury to others or damage to their property
New Home

Dwelling Coverage

Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage most homeowners think of first when selecting insurance.

Contents Coverage

Contents coverage is just that — it covers what’s inside your home. I’m talkling about everything from furniture and electronics to pots and pans. If these items are lost or destroyed by a covered event, your policy can help pay to replace them.

Liability Coverage

The third component of your home policy is liability coverage. It helps protect you from loss in case you’re financially responsible for injury to others or damage to their property. This coverage extends beyond your home and in fact follows you anywhere in the world.

 

Life Insurance

Finding the right insurance policy can be intimidating.  Our agents can guide you in selecting a life insurance policy that meets the needs of your survivors in the event of your passing. 

We offer a variety of life insurance policies that could help manage the financial burden of a home mortgage, provide for the needs of your children, and even replace future income.

Our range of policy options include:

  • Whole Life Policies
  • Universal Life Policies
  • Term Life Policies

 

Life Insurance Meeting

Whole Life

Whole life insurance is designed to last as long as you do.

  • Coverage up to 121 years old as long as all required premiums are paid.
  • Premiums never increase, from the day your policy is issued to the day premiums are no longer required at age 100.
  • Initial premiums are higher than term insurance, with funds accumulating within the policy as cash value.
  • Whole life is the most conservative type of permanent life insurance, with guaranteed level premiums, guaranteed cash value accumulation, and a guaranteed death benefit.

Universal Life

Like whole life, universal life insurance offers the potential of life-long coverage, to age 121. But it allows flexibility in the timing and amount of premiums, and allows you to adjust the death benefit amount.

  • You choose the amount of premium to pay, within contract limits. That payment goes into a separate account inside the policy, with the cost of the policy deducted from the account each month. Your policy stays in force as long as there’s enough value in the account to cover the deductions.
  • You can build more cash value by paying more premium.
  • When times are tough, you can reduce or even pause premium payments as long as there’s enough cash value to cover policy costs.

Term Insurance

The simplest type of life insurance, and usually the least expensive to start.

  • Provides coverage as long as you pay the premiums, typically up to age 90.
  • Premiums guaranteed not to change for the first 10 to 30 years of the policy, then increase annually with age.
  • Can be especially popular with younger families who need a lot of coverage but aren’t yet earning their peak incomes.

Ready to Discuss Your Needs?

Agents for Albert "AJ" Johnson Insurance & Financial Services deliver the experience you deserve.  Contact us today to connect with a friendly, local, professional agent - committed to meeting your unique needs.

 

Auto Insurance

What’s in your garage?  There’s as many answers to that question as there are drivers.  Your vehicle fits your needs and lifestyle.  Your auto insurance can do the same.

We'll be glad to assist you in selecting a policy that meets your needs and budget.  Our agents are ready to assist you with insurance policies for just about any motor vehicle, including:

  • Cars
  • Trucks
  • Motorcycles
  • Recreational vehicles
  • Boats
New car

Auto Coverage for All Your Needs!

Cars & Trucks

Boats

Motorcycles

Recreational Vehicles

 

Commercial Business Insurance

Albert "AJ" Johnson Insurance & Financial Services offers a full range of commercial insurance options to meet the needs of your local business.  Our agents are ready to assist you selecting the right business insurance policy.  Every business is unique.  That's why we offer a wide range of products to meet your needs and budget.  Our commercial policies include options for:

  • Commercial Property Insurance
  • Commercial Liability Insurance
  • Commercial Car Insurance
  • Workers Compensation Insurance
  • Business Life Insurance

We proudly offer solutions for a variety of industries, including apartment owners, commercial real estate, office building, religious organizations, and retail stores.

new business

Insurance Solutions for All Your Commercial Needs

Commercial Property Insurance

Protect your business with Farmers coverage for your building, equipment, inventory and operating income. Let’s have a conversation about it today.

Business Liability Insurance

You might face legal action from customer injuries, data breaches, product defects and more. Liability insurance can help you protect your business.

Commercial Car Insurance

Your business might face risks like auto accidents, uninsured motorists and fuel spills. Let’s discuss how Farmers can help you protect your assets.

Workers' Compensation Insurance

Concerned about injuries, OSHA regulations, and workers’ compensation fraud? Let’s discuss how Farmers can help you protect your employees and business.

Business Life Insurance

You may have challenges like debts, interruptions and buying-outs for heirs if your business loses a key person. Learn how Farmers life coverage can help.

Ready to Discuss Your Needs?

Agents for Albert "AJ" Johnson Insurance & Financial Services deliver the experience you deserve.  Contact us today to connect with a friendly, local, professional agent - committed to meeting your unique needs.

Proudly Supporting & Volunteering in the Pearland Community

unnamed rotary-logo-color-2019-simplified ajjohnsonboard pca_circle_web-transparent