TD Insurance Home Insurance Reviews

If there was a zero star rating, this company would get it. We have been with company for over twenty years and have tried to make a claim with them twice. Once for a stolen vehicle (which got returned). When dealing with the company's adjusters, we were made to fee l like the criminals. Even with proof of purchase of new urea, add on enhancements to the truck we were not compensated.

Now we need to claim hail damage on our roof, got an industry specialist to come out and look at it, at TD's request. Specialist says yes there is damage, TD sends out their adjuster he agrees damage but ... Not enough to file insurance claim. Sounds like being little bit pregnant.
We have had two specialist out and met with their adjusters. Claim denied! Waste of time trying to talk to the "TD Cares" about no one but scamming their customer. Claim started in July and it has taken till November to get an unsatisfactory response

TD is scamming, treats their customers as if they are criminal.

So done! moving all home and auto to another provider. Any suggestions?

When I bought my house 5 years ago I went with TD because the last owners were with them and the price seemed reasonable $90/month. Within 2 years they raised my premiums to almost $200/month and I have never filed a claim. I lost my job 2 years ago and was having a very difficult time making ends meet. I called all of my creditors and explained my situation and they were all willing to cut me some slack and give me a few extra days, including my mortgage lender. But not TD. I called to tell them that I would be ONE DAY LATE! and they told me that if I was ever late again that they would cancel my policy and I would be liable for the balance owed. Recently there was a leak in the roof and it took them a week to send an inspector. I was told that if the leak was due to the roof being in bad shape they would not cover it, but if it was due to shingles being blown off the roof they would cover the cost of the resulting damage, but not before I paid a $1000 deductible. They called me yesterday to tell me that they couldn't help me because according to the report there were no shingles missing, despite the fact that I pointed them out to the inspector!!!

If you lied to your insurance company like these people will lie to you, you would have no insurance.

Long story short, they have been happy to take $5000 per year for 10 years for my home and cars. A terrible wind and hail storm hits and they decline the claim they cancel the coverage because they know the roof is damaged from the Storm.

Everyone is happy to take your money, theses pricks have no interest in honouring your policy.

it took me a year to settle a small $5000 claim.

i did not renew. i would rather pay more than deal with them.

RUN, don't walk away from TD Insurance (...and any of its versions)! If you think TD Insurance comes through for you and is in your corner, you're very much mistaken. I learned this the hard way. TD Insurance takes care of #1 - and that's NOT you. Heed this warning folks and I suggest warning your family, friends and coworkers about TD Insurance as well. One last bit of advice, before selecting an insurance company, be clear on the coverage amount you have if there's a water/sewer backup.

The worst company I had to deal with. I had my roof leaking and I made a claim and they denied my claim and told me that I am not covered by the water dampening problem. When they renewed my insurance policy, they never sent me the policy coverage.
TD insurance only wants the money monthly from you but when it's time to claim, they will make every effort to refuse your claim.
Stay away from this company, they are a bunch of crooks…

Our policy may have been cheaper than Chubb but it was almost worthless too. The adjuster was slow to respond and, when she did, came up with a ridulously over-broad interpretation of one of the exclusions in the policy. In the meantime, my family was out of our home (for two months) and I had to hire a company to clean up my house. So, while I waited for TD to do the right thing, I signed up for almost a hundred grand of house repairs for damage caused by my neighbour. Luckily, I know an executive at TD, and he was able to have a TD lawyer look at the exclusion in my policy. Ultimately, we got our money but I found the experience unnecessarily stressful. It was bad enough to have to vacate our home; dealing with an unreasonable adjuster only made a bad experience worse.

TD Monnex has consistently raised their premiums but reduced the coverage at the same time.

I filed a claim for water damage caused by a burst pipe and was told someone will contact me the next day. It never happened. I called them repeatedly for a months to no avail. They only contacted me after I threatened to take them to the Ontario Ombudsman.

I stay with TD Monnex only because I was too busy to shop around for another insurance provider.

Wow is all I can say, I have not dealt with such unprofessionalism and total disregard for the customer.As most people have said, it is a company that is constantly raising their fees and reducing coverage.I made a house insurance claim , the fisrt agent I spoke to was empathetic to our situation and she made us feel like our insurance company cared and was on top of things.Once we were handed over to an adjuster things started to become unreal, there was a total lack of information and disregard to our phone calls and enquiries.We were told TD was very busy with claims arising from the freezing winter and were referred to an third party agency named Crawford and Crawford to handle our claim. The third party company was as bad as TD, they ignored our concerns and communication was very very bad, in the end we felt helpless as no one would get back to us and when they did we were left with little or no information.They also gave conflicting information and down right lied at times to suit their needs.A complaint to TD which is who I pay my rates to and not this other company did not do much,we felt abandoned by our Insurer so we moved our other insurance products to another insurance company because we felt the terrible experience was not commensurate with our loyalty to TD for many years, four months on our claim is approved but we are still to get our cheque since this Crawford and Crawford company does not seem to know what they are doing and have no respect for clients. I am glad to say I am in good hands now.

You would be better off if you buried your money in the back yard then giving it to these people all they do is raise the rates and reduce your coverage. If you want to pay for coverage that doesn't cover anything when you have a claim call these guys!!!