Meloche Monnex (TD Insurance) Home Insurance Reviews

My parents used TD for many years. I do seperately for my own home. All was fine. Then. My parents died and I was selling their house. Arranged for insurance to end on closing date. The purchaser backed out on closing day. Next day I called TD to resume insurance. They said no. No reason other than « underwriter refused ». Despite talking to 3 people no offer of a reason or a way forward (such as higher rates). I find that outrageous and profoundly disrespectful to anyone, and especially a long term customer. I certainly will not remain a customer!

This is my 2nd year with TD and I never submitted any claims with them. They decide to increase my home insurance monthly payment by more than 50% 6 months after the start of my second year contract. I have been trying hard to convince them to cancel the contract with no penalties but no answer. People who answer you do not have the authority or the competence to make decisions. A complete disappointment.

I've been with Meloche Monnex for 30 years. Since TD Bank bought out Meloche, it is like dealing with a low-end insurance company.
This year's renewal, all of sudden they gave you a hundred pages of policy listing what they do not cover including theft and attempting theft.
Yet most critical info about dwelling amount is not given to clients.

Called their customer service, waited for 2 hours to get answered. Very poor customer service.

The agent was trying to sell your policy saying this and that not included.
On top, for the same house, their record can be changed that you do not have certain items. A tactic that TD has to pay the occurrence.

Agents are not pleasant to speak to. One agent just hangs up on me when I ask for clarification of the policy.