TD Insurance Home Insurance Reviews

I purchased an “enhanced” home insurance coverage with “extended” water damage. I never had a claim before. Due to heavy rains, water entered into the basement causing molds. TD sent their contractor from First Onsite to conspire with them as he is getting paid by TD. They denied my claim due to “gradual” damage, which is their excuse for every claim to escape from paying for damages. TD is a public company, so I got rid of my shares right away due to their unethical business practices. No wonder they are being investigated for money laundering. Do not use TD for anything. Evidently it was not gradual, as we sleep and work in the basement. They are deceitful. I have never seen the exclusion items, which essentially was a tactic to never pay for damages prior to purchasing home and car insurance from them.

This pathetic company lured me in with a "reasonable" premium (3000 CAD) for the first year, then, in spite of being claim-free for several years, offered to renew with a premium of 4000 CAD... Their explanation was that this increase was a general trend over the province. I checked and found out that actually the average increrase was about 7-8%. So I shopped around and found a better policy for 3100CAD.
Don't waste your time with these clowns...

I have insured with TD for my home and car for over ten years. I never claimed anything until last year, my car was stolen, when working with TD for the accident, there is no sympathy, no support, very bad customer experience. I regret that I supported such a cold company over the last ten years. I will never do any business with TD. When you need help, they push you away.

I just had a claim with TD insurance. I had the worst adjuster ever. Her communication was lacking and she was so rude. I called her and her call disconnected. She then called me on a private line and was so rude to me. She said I was racist because I was having a hard time understanding her speech. She then tried to preach the Bible to me and tried to talk me out of being gay. TD hire more professional people.

I wish I could give negative feedback. Terrible service. After 20 years in TD insurance, first claim, 2 months no response. Called adjuster, emailed adjuster. No response from TD insurance! Terrible!!!

Same as others in this forum, we are long-time TD customers and every year there are price increases, however, this year it is more than substantial at 34%. The sole excuse from TD is that replacement costs are up, so they just chose to increase the coverage on our policy. We are totally over-ensured at this amount and certainly do not require or want the additional amount. I also called and spoke with an actual person who again said the same thing. Forcing customers to over-insure is price gouging, plain and simple! This must be some form of loophole they are using to justify huge premium increases.

Beware if in western Canada. They assign you to a rep in Halifax. Time zone makes it difficult to connect. Incredibly poor service. They used the cheapest contractor who made things worse with their work. When I filed a complaint about the poor service they handed the complaint to the person who provided the poor service. She did not care at all. TDI does not care at all. I ended up using my own contractor to do rework.

I had not at fault accident and unfortunately, I have received no support from TD.

They suddenly increased my home insurance by 40% without reasonable explanation, I am 13 year loyal client, without any claim for so many years, the renewal notice showed their raise of premium for this year is 40% higher than last year. I called and questioned the agent, the agent was not able to give me a good explanation, and the attitude is really rude. I chose to cancel the policy with TD Insurance, recommend you to do the same thing too.

We are 4 months into our claim, big claim after complete house fire, and it has become a literal full time job. TD does not answer phone calls or emails even with "direct" lines to your supposed adjuster. Our current adjuster, there has been more than one, is located in Halifax and has never even seen our home yet is making huge decisions concerning it. We are fighting them 100% but this is NOT what we have been paying home insurance for more than 10 years for. Our rent is due today (TD is obligated to pay this as part of our coverage as our home is rebuilt) and they have yet to transfer the needed money. Do yourself a favour and learn from our mistake. DO not sign up with TD. When this claim is completed we will never, ever use TD again and have begun telling anyone we can about this despicable company.