Meloche Monnex (TD Insurance) Home Insurance Reviews

What happened to your customer service? I had an automobile claim a few years ago and had excellent customer service. This year I simply tried to pay my annual home insurance premium by phone and gave up after two tries. Whoever is in charge of your customer service should be fired! Unless I can actually talk to an agent the next time I contact you I will definitely change to another insurance company next year. I am appalled at how your customer service has collapsed!

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.

I have been with TD insurance for many years. Unfortunately, had a very bad experience with home insurance renewal this year. The document was sent and was not properly updated. Staff who answered the call said will send an email to confirm the policy update and never receive an email. Make several calls and waiting time to speak to a person took extremely long (over 60min to 90min).

I've had no trouble reaching them, and their auto insurance is competitive, but ...

My property insurance rates increased from $800/yr to $3,700/yr over 12 years, with most years involving a 10-15% increase.
I was able to replace coverage for less than 40% of the current premiums. I had to move my auto insurance too, but no change there.
They insisted on insuring our property for way more than the replacement cost and weren't open to adjustments.
When I called to cancel, they made no attempt to retain my business after I told them how uncompetitive they are.
I feel we've been ripped off at exorbitant rates for years.
I recommend that you review your insurance ASAP if you are covered by them!

Today marks 2 months since my home flooded due to a pipe rupture and I am still living in a hotel. I am still awaiting the damage quote so that I can go ahead and start hiring contractors. Spent the first 2 weeks calling my assigned "agent" 2 or 3 times a day seeking help and answers to questions, left voicemails, and have literally spoken/received emails from said agent 3 times in 2 months. This service is not just this agent. The morning of the flood I was given the name and number of my agent, only to discover on my own through multiple calls, that indeed this person was on holiday. I was told another person would call me.... that never happened. Finally, my current agent reached out. That was easily a couple of days after the flood. I will likely switch all my insurance (house, car, truck, side x side, 2 snowmobiles) to another company as soon as I get a payout.

We, unfortunately, had our home broken into. An unprofessional adjuster who doesn’t understand anything. They sent a letter with another client's name on it refusing the claim to SIU. The SIU investigator is a far retired cop that should of staid retired. Now lawyers are dealing with TD. Stay away

For the past week, I've been trying to get a hold of an agent to update the status of my home roof. Meloche and Monnex limited insurance coverage on the roof because I couldn't provide them with an exact date they were last replaced (new-to-me home). The wait times are beyond ridiculous. For three days I've been on hold for minimum 2 hours before giving up. Yesterday I got lucky after an hour and a half... and then the guy I spoke with said he needed to find an agent licensed in my province... and then before I could respond I was back on hold for another hour before giving up. That said, when I do speak to someone they are fantastic. I'm pretty happy with the value for money, but I've never had to make a claim before. Please fix this Meloche and Monnex. I've been a loyal customer for 15 years and only recently has this become an issue. I'm starting to look around for a new provider.

Once again rates go up. Trying to get to speak to someone for last 3 days. On hold for over 1 hour before giving up

When the statement for my yearly home insurance arrived early this month, I noticed right away the premium was 10 times higher than last year, (after many years of a stable rate) and being on monthly deductions, I was soon to lose a huge sum. I immediately called, and after a short search, the advisor could not find any reasons in the file, so she moved me up to a higher level. Here the advisor spent quite a while on my case but also could not discern any reason for this huge increase (he suggested that he'd never seen such an instance before). I insisted that if he could not solve the 'error' I wanted to cancel immediately since I was scheduled for a serious operation and would not be able to attend to this for quite a while. He got somewhat hostile but finally agreed to suspend the monthly withdrawal until a reason/solution was found. After several days he called to say things were back to 'normal'... but no reason or apology for this huge 'mistake'. If I had not caught it immediately, I would have been out of pocket huge sums and likely have been in long-term hassles as to getting my money back. Having been with Meloche-Monnex for many years, with no problems, I was shocked and taken aback by their attitude. I still do not know the reasons (system errors?).

The customer service is good but the rates are astronomical! I will be saving $80/month going elsewhere and having the same coverage. I called Meloche to see if they could reduce the cost since I have been with them for 4 years and they said this is the best they can do.