TD Insurance Home Insurance Reviews

I believe that TD Insurance did not fulfil its duty as my insurer. They offered me their “preferred partner”, Integricon, to manage the repairs to my house following significant damage by fallen tree limbs. That project manager sent in contractors that did the work improperly, and then denied that anything was wrong. TD Insurance has refused to use its leverage or otherwise help resolve an issue with the roof repair, saying that I have to resolve it myself with Integricon. If TD Insurance offers a “preferred” project manager, I think that they should take responsibility for resolving problems created by that party. I felt deeply disappointed by TD Insurance. I would not recommend them to anyone who values their home and their peace of mind.

They claim to take the stress out of a stressful situation. They do the absolute opposite. My home insurance specialist did not even know what siding was when I explained siding blew off. Been over a month and still nothing. Communication is a joke.

I did not have automatic renewal on my policy because I chose a yearly payment.
I could not connect to renew my policy.
I attempted to call the number on the website and on the correspondence I received regarding my renewal but was not able to speak with an agent.
I did this at least twice a week for several weeks.
I attempted to pay online except that I did not have a security code that was apparently required, which I had never received.
I attempted to chat, but not available.
I then purchased a policy with a different provider as I had received correspondence from TD that my policy was cancelled. The other insurer was about $200 per year less for what was actually better coverage.
When I was finally able to connect with an agent, I was told I needed to pay for the first month and a penalty because I had not yet cancelled the policy, the one that TD sent letters to me about cancelling. The amount that TD asked for is also prorated, equivalent to more than a month's premium even though I do not want the policy and had other coverage in place, only because I did not have access to pay. If ever had a question about my coverage or to add coverage, I would not likely be able to contact anyone at TD.

Can't go into a TD Bank and talk to a representative. Online doesn't always work. I can't get proper statements or withheld documents of payments... Horrible experience!

My payment didn't go through as I changed my credit card from TD as I thought it would have been hacked. This is definitely my fault but they didn’t notify me once of the missing payments. I was under the assumption that the policy was still on and had no idea of missed payments. One day I realized that there was no payment being made. When I asked them they had already canceled my plan without notification. Thankfully nothing bad happened at the time while I was under the assumption that I was covered. Be aware.

It was $1400 less for the year with another Insurance for my home insurance, so I switched. When talking to TD about it, they said they are regulated by Ontario and could not do anything about the price or explain why they are so much more expensive.

Have had 4 adjusters on one claim. They can be anywhere in North America and work at whatever time is not convenient for you. This is the worst customer service experience I have ever had and I am 60. Terrible! Don't let low rates fool you. They treat you like a fool and have never sent someone to my house to check out the claim. They seem fraudulent.

After a storm last summer caused extensive hail damage to our entire house, we filed a claim with TD. The agent was initially pleasant and assured us things would go smoothly. As soon as we decided to go with our own contractor, she swapped with another agent. This one ignore our communications, had zero manners and compassion, and lacked any intelligence. TD kept giving the run around so as to avoid paying what was owed. Despite the massive damage, TD refused to replace all of the sidings. Our home was over thirty years old and their own adjustor told us in person he doubted we would find the exact match in color for siding that old and faded. Our home was the worst on the street in terms of damage, but neighbors with other insurance companies had all of their siding replaced within weeks/months. A year and a half and seven agents later, we continue to get no resolution. The siding they agreed to replace has been complete for seven and a half months. TD is supposed to do a six-month assessment to determine if it matches. Our contractor told us the color doesn't match exactly, and the trim and wrap are different because it isn't produced anymore. He said our home has declined in value and that should be reason enough for TD to replace the remaining siding. But TD refuses to respond. We just got another agent who doesn't bother updating us. They're just trying to hold off so two years will pass and they'll simply close the claim. Every other neighbor who has TD has had the same issue. Do NOT recommend it to anyone. Nightmare experience!! Should've listened to people warning us not to go with TD. They do not value their clients in the slightest.

You cannot rely on this insurance company. They suddenly cancelled my home insurance showing some 100% false reason. It was a complete surprise to me and deserved a lawsuit. Never by any insurance from TD.

I know that my policy premium will increase for the next renewal on Oct 30, 2022 - the very reason why I called and inquired early is so I can make a decision to either continue or discontinue TD. It seems to me that every year our premium increased even without any claim. I can't remember exactly what was transcribed during the phone conversation at that time BUT I remembered mentioning to the person about the new Water Heater, Furnace, and schedule Reroofing. They gave us a number which I think is not reasonable. From my end, we decided to let go of TD and find something else. Today, I received 2 emails from them. 1 is an invoice (didn't realize this till I was talking to the agent) and the other 1 is a renewal policy. I called them to make sure that they are aware that we are not renewing. Then one thing leads to another. I found out they increased my premium from Sept 20 which was what the invoice was all about because allegedly I told them on my phone conversation that our basement is finished which I don't remember and is not true. We haven't done anything in our basement since we bought the place except change the furnace, washing machine, and water heater. I asked the agent to have someone come over to check our basement which he said was not feasible. I felt I am paying an amount that doesn't exist and surely they made mistake. And if ever there's a doubt they can clarify that with me before imposing the increase in the premium. The agent said they tried calling me and I didn't answer. They don't know that when I'm at work I don't bring my phone with me, for a very good reason - I am there to focus on giving care to patients. Insurance Company are making money from people like us who don't even have any claims made. What does it take for them to clarify/verify things before charging us? The answer to this is NOTHING, only confirmation from us. Instead, they go ahead and charge/take money from the person and they say "they have the right to do it". They need to be regulated and they should be held accountable for this. Insurance takes money faster from everyone's account BUT when the account holder needs them... they make sure it lingers before the payout. They are very good at taking consumers in for TECHNICALITY. Where's justice and fairness there?