Meloche Monnex (TD Insurance) Home Insurance Reviews

Good Day, My wife and I have been with TD insurance since 2006 and we are thinking its time to switch to another company. I got a service dog in 2014 and every year we have made sure that the service dog was included if something were to happen, well sure as heck I had to put him down as he had a cancer tumour and now I need to get another service dog. My wife ensured that he was covered for $80K for these circumstances and now TD isn't coming through. Pretty sad when you have to get a lawyer involved to take them to court to get the claim we have been paying for since 2014. We paid the premium for this coverage on top of our home and auto policies and never again will we deal with these heartless people A service dog is not what I want, it is an essential part of my survival daily!!!

I currently have home and car insurance with TD Meloche Monnex. When I first tried to cancel my home insurance and switch to tenant insurance (due to selling my home), I was told they couldn't cancel my home insurance until the day of sale. After 2 hours on hold, I was not impressed, but if that's their policy, fine. I then received my paperwork for the tenant insurance only to find that they essentially mixed up all the information on my home insurance vs tenant insurance. Fine. Now have been on hold another 1.5 hours in order to finally cancel. This service is unacceptable. Not to mention the 'deal' I was getting for being part of an affiliate institution costs more monthly than many other places for the same coverage. I recommend finding ANY other insurance company.

45 min wait times, 3 days and finally got through. Cancelled hone insurance due to high rates, terrible customer service and ambiguity in services and coverages. Through family, friends and customer reviews, found the better insurer and I know now I made the right choice to switch. TD insurance continued to withdraw payments from my account and I only found out after 3 months as I was away. They also neglected to put a refund into my account (timing credit for cancellation). Called again, on hold 35 minutes, bad service, rude manners, uncooperative, unprofessional. To give you an idea on the home insurance premium, it was $100 a month coverage with TD compared to $60 on the exact coverage from my new insurer. It’s worth to call around 2-3 companies and go with the one that is respectful and cooperative. Big chances are they will offer better premiums than TD and you will have an easier time dealing with them if you have a claim.

Confirmed with their agent over the phone that even the most expensive package (platinum) does not cover water damage from flooding, and the only water damage they cover is from sewer backup. I was very surprised to hear this and will not be renewing my policy.

I had a flood in my Basement February 20th. I called and submitted a claim and was told an adjuster would reach out in 1 business day.

Two days have passed and no call. Everytime i call they are surprised my adjuster hasnt called and promise he will reach out to me shortly, but no luck. The agent I spoke to yesterday said i was most likely covered and had been lumped under a catasprophe group.

Today they informed me (i had to call again) that uless there is a burst pipe that none of their policies (i have platinum) cover a rainstorm coming in your home through walls, doors or windows. 54 hours to find out they wont even come look at it. In tje meantime the extent of tje damage is worse and is going to cost me more. I will not be renewing my home or auto policies next month when they renew.

In 2005 I put in place coverage for my rental property in Fort McMurray which included Additional Living Expenses. In July following the evacuation due to the wildfires I submitted a claim for loss of rental income; which was denied as ALE wasn't in place. Sometime in 2014 an employee of TD Insurnace changed my policy without my knowledge or consent and dropped ALE coverage. I am in the process of appealing this; but am not too hopeful for a successful resolution.

Being a loyal TD Bank customers, we opted for TD Home Insurance and they have cancelled our Home Insurance without giving any notice or call and would not provide is with a new quote and the state they dont wish to provide us any more Home Insurance Service due to non payment. To start with it was a pre-auth payment just like the one we have set for auto insurance.Since the time we received their first mail(which according to TD is not the first mail) we have been trying to reach them to resolve. The Customer Service Rep & Manager were rude and wouldnt help us. Finally after a long struggle they issued a new quote and when we called back to discuss they said its rejected as we have nonpayment history. Am surprise how much they dont know their customers. We were warned by friends but still went ahead with TD Insurance and today we are worried and shocked at our state. TD has no quality,respect for customers and cant be trusted any more. I wonder if i should bank with them anymore. They have put us in deep trouble and wouldnt help. I received no earlier correspondence from them on the cancellation and they have put us in risk. Would be great if we receive help in escalating this matter higher up and getting a resolution.

These guys have terrible and inefficient customer service. They lie to you and tell you something will only take a couple minutes that stretches into the range of an hour or more. They don't have their act together to actually just process your file, but put you on hold constantly while they try and figure out what they are supposed to be doing. They don't follow your request to communicate by email, and despite keeping you on the phone for an hour, they fail to disclose all of the charges that you are liable for but because you've entered a policy, they treat it as an open right to generate charges they failed to disclose. They have no respect when you tell them that they can't call you on your phone during the day because of your occupation. I am a teacher and I had to block their phone number because I can't be taking phone calls while I'm teaching, and then they refused to email me to ask me what they needed and then just started filing charges of $50 every two months, and no email explanation of the charges. They send it through as an adjustment on the statement which really isn't explaining that they intend to charge you an extra $50 every two months over and above the insurance you are already paying for. They are a make work institution that can't be trusted.