Meloche Monnex (TD Insurance) Home Insurance Reviews

I have an auto insurance policy with TD Meloche Monnex. An agent offered insurance on the contents of my condo apartment and I requested confirmation by email. It did not come and I learned on inquiry that they withdrew the offer because my apartment is not presently insured. I see no sense in that because what is insured is the same. I was told it was their policy. Other bank-based insurance companies told me the same. Why? Are the insurance companies conditioning people to insure their valuables with them at all times?

I had applied online and then called TD Insurance (Meloche Monnex) immediately. My online quote was $1,150. The representative on the phone gave me a quote of $1,577. I told him the difference was too great. He agreed to let me apply online again while we were on the phone. We used the same criteria on the quotation. The result was $1,150. He asked me to wait for 5 minutes and then said that the best he could do was $1,517. I got another insurance company quote (same terms) for $940.