Independent Home Insurance Reviews

TD Insurance Home Insurance Reviews

(36 reviews)
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Category: Coverage, Conditions
(1.7 out of 5 stars)
Customer Service:
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Claim Experience:

Deceptive quote process

(1.0 out of 5 stars)
by JasonW Feb 22, 2019
...I signed up for a tenant policy. You can start obtaining a quote online but at a certain point, you are required to phone in and deal with an agent. The agent I dealt with, while very polite, did not voluntarily disclose some fairly major exclusions. These were only included in the policy details after signing up for it. Among the major exclusions, I assumed were covered were an earthquake, flooding, and water backup. I phoned back as soon as I received the policy details by mail and canceled (1 week after the policy was initiated). I was told there would be a charge almost equivalent to 1 month premium to cancel despite the fact I was only seeing the details of the policy for the first time and had had it for less than a week. When I asked for an email confirmation that the cancellation had gone through I was told they did not have the ability to do this despite the fact that they had sent me confirmation when I signed up for the policy. It is clearly a deliberate effort to be non-transparent to not disclose the details of the policy until after you've signed up already. I later found a quote that was a fraction of the price that covered the major exclusions in this policy. I should have done more research. Just glad I did not have to try to make a claim...
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0 stars

(1.0 out of 5 stars)
by verymad Feb 22, 2019
...My partner and I were victims of a tornado in the NCR region. This happened in September, and it is now almost March and we still haven't gotten a proper offer for our claim. The guy dealing with us ignored us until December, we called and emailed so many times and he never replied. We then escalated the matter to two of his managers who both ignored us as well. We lost so much stuff in the tornado since our apartment was on the top floor, to the point that I wanted to move away to avoid reliving the experience. We lost in total over 10K worth of things (my partner's hearing aids were lost, my laptop was broken, etc) so when they finally answered us, they told us they could only offer $1500.....My laptop ALONE was worth 2300 (MacBook), and we lost A LOT of stuff, let me tell you. So, we finally got offered someone else to deal with our stuff, who spoke to us ONCE over the phone, and then has been ignoring us for a month. It's been 8 months! We haven't been able to properly afford anything due to this situation. Please avoid TD at all costs, they will dodge you and low ball you...
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Home Insurance Policy

(1.0 out of 5 stars)
by Unhappy Customer Feb 20, 2019
...Total disregard for ice buildup inside the interior roof. Waited on the phone 2 hrs, the adjuster came said it's not covered but we have the best policy...
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Worse company-- false promises

(1.0 out of 5 stars)
by Muhammad Sep 19, 2017
...Our house was damaged due to fort Murray wild fire, and due to TD’s miscommunication, and unprofessional handling, we are still not in our house. Also they have not settled our additional living expenses yest. We are under a lot of mental and financial stress right now. Their adjusters have no clue how to fairly assess the customer claims...
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Worse customer protection

(1.0 out of 5 stars)
by frustrated with TD Sep 15, 2017 explained in simple term "they do not care" there is no common sense or sense of urgency with TD insurance, even lives are in danger there are no action, you are left suspended, believe me when I say i have called on a daily bases for 2 weeks, TD takes the call but refers to a manager who is not available nor does she call back. Mother nature wrecked havoc on my house 3 years ago, a large tree on my property was hit by a powerful lightening causing a 15 feet burn on side of the tree, there were also a lot of debris scattered 50 feet into the road, some exterior damages as well as interior damage, electrical switches blown to pieces and smell of wire burning when we arrived home that night, we had no idea what has happened till later from neighbors, we called the insurance company, an arborist and an electrician were sent who disconnected and replaced some electrical switches. we were told by the insurance adjuster that the tree was fine, so they could not help us any further, we started having all kinds of issues with the electrical lines and lost few appliances there after, now tree is completely dead and a large piece has fallen without notice, luckily it did not cause major damages, over 2 weeks and no news, manager will call back .......they promised you know!!!
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(1.0 out of 5 stars)
by Unknown Jul 28, 2017
...We are one of the Fort McMurray wildfire victim families. Because of TD’s miscommunication, and unprofessional handling, our family is under a lot of mental and financial stress right now. TD hired a group of Claim Adjusters from USA to mistreat and misbehave with us. Beware that when you need them the most they are "TD CANADA MISTRUST"...
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Had a flood in basement

(1.0 out of 5 stars)
by Flood in basement. Jul 25, 2017
...They were so nasty to us and never called us back.After a few days they had part of basement cleaned up and the other part to stay wet ,it created mold.I had to pay a company to clean the mold.Now the clean up company has my contents which they have not cleaned, asked me to pick it up.I would like an account of what the insurance paid them and they will not call me back.What should I do?
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