TD Insurance Home Insurance Reviews

Absolutely horrible Customer Service, I have been trying to resolve an issue since Feb. 17th 2021 and today it's March 2nd 2021 and I have been calling everyday to clear up yearly payment for my unit. Everytime a new rep. comes on he/she has no idea what the problem is and where my payment went, even though my bank statement shows it's been paid to TD Ins. But the Staff have *NO Idea where it went. Like come on TD you can do better than this. No one answers your phones this silly music played on for 27 mins. till I finally had to hang up. The worst customer service - Ever!

I received my home policy renewal last November and noticed TD started charging monthly installment fees. I called right-away to switch over to annual but it was too close to the first installment (which was one-month prior to the start of term). Agent switched the balance to annual for the next payment date. Over time I did not see the annual payment charge and my online account access was denied. Called them today and had to talk to 5 people. I was told their system did not process the annual payment because they switched the payment method and the system put my policy into delinquent. Too bad no one from TD contacted me and they also locked my online access at the same time. The 5th person told me they contacted me BY MAIL :( and of course, it did not arrive.

Please stay away from this insurance company. I had a quote of 800 dollars per year. I talked to the agent on the phone and said I would like to pay the full price in advance. But he set everything up for monthly payments. My credit card got renewed and they couldn’t get the payments. I wasn’t aware of that. They never called me. But they say that they called me two times and have it on file. Anyway, they cancelled my insurance and send me a letter. I got it a couple of days after the insurance was cancelled. I tried to call them and spent for a couple of days hours and hours in their waiting line. I am talking about two hours per day!!! Could not get a hold of them. After I finally talked to somebody and asked them to pay the outstanding balance and get insurance again they refused and hung up. I couldn’t even pay the outstanding balance. Before I could get coverage with another company I had to get back to them and spent some more hours on the phone. They gave me a bad score and now I can’t get any insurance under 2600!!! Because I am considered a bad customer because of their bad score on my file. I was trying to save some money. Got a lot of trouble and now I have to pay more than double what I used to pay before!!! Stay away! Save yourself big trouble!!! Poor customer service.

I recently purchased home insurance and paid the annual amount in full. About a month later I received a phone call saying that I had an outstanding balance. The person that called couldn’t provide any details so I had to call TD. After numerous attempts to reach someone (dropped calls due to their poor phone connection, waiting on hold for over an hour each time I called) I was finally able to speak to someone. They gave me a reason as to why I had a balance that didn’t make sense. Long story short, each time I spoke to someone regarding the balance I got a different story as to why I still owed them money. On top of that, they were charging me interest on the outstanding amount. TD has been my insurance provider for years, but I no longer trust their practices

They miscommunicated that we wanted the restoration companies to clean everything, ended up paying over $12,000 out of pocket for the accidental restoration of broken/non-fitting items. Wouldn’t get callbacks for WEEKS, dealt with over 30 people trying to get things fixed or done. Went through three main adjusters, one let go for incompetence, another had a job change in the middle and the last wrote off all usable clothing instead of provided list I made myself of actual losses. I lost all of my sentimental things that were fine due to this with an unreasonable (CRDN) company. DO NOT DEAL WITH THEM. Sold us a policy when I asked for $50,000 EXTRA coverage for jewellery ok top of the $79,000 content, they charged me $200 more (on top of $400, 50% more) and made $50,000 out of $79,000 for jewellery. Lost so much due to this clerical error but they would not take responsibility. After a review of the call, they admitted it was a miscommunication on their end but did not fix it. I called for another quote and they told me the same thing! Tried to sell me the same package with incorrect info! I have recordings of all of the misinformation from CRDN and TD and intend on getting some money back from CRDN. Two companies mistakes I had to pay for. Please do not deal with these guys!

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.

For 5 months I was charged for someone else's vehicle insurance. 2 other policies that were not mine in fact! Tried resolving with them directly for months and was given the runaround. They could not even tell me what insurance policies I currently held with them or they just refused to. I do not have a driver's license and do not drive, I have not for 16 years. I am a single late 30s white male and should have only been getting charged for my home insurance as that is the only policy I held with them. I had to involve my TD bank branch and one of the financial advisors was able to shake the tree and get this somewhat resolved. I say somewhat because TD insurance only agreed to repay the exact amount they removed from my chequing account over the course of 5 months and many withdrawals. They refused to pay me 5 months interest on the amount owing and also refused to reimburse me for overdraft fees I received over this time period. I highly suggest nobody go with TD insurance. This is unacceptable! And I am absolutely shocked this was allowed to happen and has taken so long to partially resolve. I'm currently considering legal action towards them. Just unreal

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 !!!

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!

We had a wind and water claim started. We had this open for about a month after calling in and took forever to get someone to come to our home.Adjuster was rude,unorganized never answered phone judged everything as though she was paying out of her own pocket, very cheap outfit! Dropped us at the end said if we didn't come up with money to pay for sheathing and to add over inflated price x2 the price the contractor wanted to put in they would not proceed. We are talking over 6,000 plus 1,000 deductible or pay us out so they could wipe their hands of any liability as they weren't paying .We didn't have that money in the budget and at first were told everything was covered. No we had to take the payout and they automatically deduct the 1,000 deductible and even though they have a quote are going through with a fine comb to trim costs. At the end the million dollar roofer who works for them is making a killing even tried to make private deals and get us to approve work just so he could move on. I offered to purchase the wood to afford the repairs and flat out no was the answer..If you are here looking at reviews take the money and find a small time carpenter or company if not in an emergency like us. What a disaster never again! Run stay far away from this outfit cheap rates but you will pay for it in the end.