Independent Home Insurance Reviews

TD Insurance Home Insurance Reviews

(18 reviews)
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Category: Policy Switching, Cancellation
(1.6 out of 5 stars)
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Cancelled w/o Communication

 
(1.0 out of 5 stars)
by g1oomy Oct 07, 2019
...We've had a vacant property insured for a year and at the one year mark, they cancelled our policy, leaving our property uninsured. They have no problem mailing our policy with private information on it, why couldn't they have the courtesy to communicate with us that this would happen? Also, they have never said that they won't insure properties that are vacant for a year and lead us on. I DO NOT recommend them. Stay away from this company...
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Bad service, shady billing

 
(1.5 out of 5 stars)
by angryTDcustomer Sep 16, 2019
...Getting through to their phone agents is a pain. Takes very long and then usually end up transferring you which takes even longer. I cancelled my policy and they told me I would be deposited a refund after deducting from my last payment some amount. 3 months later, I get a letter threatening with collection actions for 19 dollars owed in the account! Called them and got nowhere. Terrible experience. I had no claims, but based on other reviews, I imagine that would have been a pain as well. Stay away from TD. Have never had as much trouble or shadier billing practices with other insurance companies, only TD. Garbage...
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ON hold

 
(1.0 out of 5 stars)
by gooeyu Aug 09, 2019
...Like many of the other reviews here I have been on hold for over an hour and still have not talked to a representative. I switched to TD because a friend recommended them but I am now regretting that choice. While I was signing up for the service I was on hold for 5-10 min max. This is ridiculous. Time to change to another company...
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Long waiting time....

 
(1.0 out of 5 stars)
by Dan Jul 23, 2019
...I have tried to call TD bank insurance to cancel my home insurance for the next few days. After 30mins, I have to hang up due to different reasons. Then, I use TD bank insurance app to cancel my policy by sending a message, there is no response. Now, I do not know what to do... I am paying money with NO service...
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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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Try to cancel insurance

 
(1.0 out of 5 stars)
by Richards Oct 29, 2018
...DON'T USE THEM !!! After the passing of our mother, we tried to cancel her home insurance after it had been sold. We had her home insured at the end of March to the tune of over $1100.00. She passed away in May and that is the month that her home changed ownership. After several calls, numerous emails and all legal papers for the ownership change and death certificates they still asked for more. It took several customer service people, all wanting different papers, to finally get to the point of getting a refund. The refund was $385.00. When asked how come so low a payout, we were told more paperwork was needed. WOW !!! It is the end of October and just got off the phone after asking where is the money. Perhaps in a couple of days, I will see it, so I have been told. I am mad beyond words !!!...
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Pure ignorance

 
(1.0 out of 5 stars)
by Jeff Aug 31, 2018
...So I highly recommend if you use TD insurance, to cancel and go with another company as soon as possible. After 6 months of phone calls and emails, they finally cancelled my insurance policy admitting to me how sorry they were that they dropped the ball on this. They sent me a bill for 20% of this year's policy (they auto renewed) because I was 2 weeks late informing them I’d switched companies. The letter also informed me I had 14 days to pay up or they would send me to collections! I called and was on hold for an hour and 38 minutes and was promptly told by a Steve that they were entitled by law to charge this ridiculous amount and if I didn’t like it, I could contact the government Regulators and take it up with them. Worst customer service I’ve ever had in my life and I intend to let everyone I can know just how completely terrible they are!...
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