Meloche Monnex (TD Insurance) Home Insurance Reviews

After 20 years , TD sent us a letter telling us that we no longer meeting their underwriting guidelines . Two claims and two incidents in the past 3 years and that was enough for them . An incident is where you call the insurance company and talk to the claims department, at the end of the day we made no claims on theese calls becasue we just wanted to make sure that there was no damage during a hail storm . Am I not following due diligence by having them come out to check to make sure? According to their metrics , you can have one claim for $ 700,000 and your still OK in their eyes . If you have two claims totalling $50,000 and one incident , your a high risk client now. Time for them to say good-bye to you. As the client rep said , you are at higher risk of impacting our rate of return. I said if I have to move my home insurance and going to move my car insurance as well. TD response was " it really doesnt matter to us - go ahead"
Come Hell or High Water , TD won't be there !