TD Insurance Home Insurance Reviews

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.

I got my insurance renewal, with $800 additional for sewer backup (and only up to $15000 with $2000 deductible. The ice damming coverage is $130 a year. Are you kidding me?

Also, a half duplex rental property for $342 per year, just for sewer backup?

TD raised my rates to the point where it was 15% less to switch to Square One insurance. Square one has better service and are reasonable human beings to speak with one the phone or by email. I cancelled the PAP program with TD Insurance first, paid the balance owing out on my Visa, and told them I once my policy was up, I was switching companies.

They made a mistake on the amount they charged to my Visa and rather than tell me, they just took one more PAP payment off 2 weeks later. This caused my account balance to dip below $5000 and huge fees incurred. The branch credited the fees and reversed the unauthorized PAP. When confronted, TD Insurance said they had every right to debit my account even thought I revoked their access. They had the nerve to charge me a late payment penalty (even though they miscalculated the amount I paid out on my visa) which I reluctantly paid to get rid of them.

Finally my policy expired and I signed up with Square One but I get a letter in the mail saying I owe $815 as my previous policy automatically renewed. I called right away to say I didn't consent to renewal and to reverse it. I was told I would have to pay a cancellation fee! Cancellation fee for an expired policy ? They claim they mailed a renewal notice. I didn't see one and I have every document from them in a folder going back 7 years.

They cannot show me any place in my policy that says the policy automatically renews. I'm currently still fighting with them over $120 cancellation fee and they are threatening to send their claim to collections.

You need to have trust in your insurance company. They were dishonest with me, broke rules, and went to unscrupulous measures to extort every possible dollar they could creatively justify taking. Measures very similar to that of a con artists or a telephone scam. It almost seems the company aim is to hire these sorts of employees and train them to use these tactics to increase revenues. The company is completely unreasonable. Not a quality you want in an insurance company. I have never had a claim. My deductible is so high, the only time I would is if my house burned down which statistically speaking is very unlikely. They should be treating me like a king for giving them 60- 90/month over the past 10 years.

My home insurance with NO claims has almost tripled within the last three years. i had my roof redone in 2012 they said it would save me some monies, instead right after that the rates started increasing. The first increase was the year before the flood in Calgary. When I called there was no explanation except they were getting in line with other insurance companies. The next year the flood in Calgary happened, I live in Calgary I was told it was not because of the flood, as insurance companies here in alberta do not cover natural disasters, the province has to pick up those costs. True. So why? No answer this time, was told a manager would call me back. Never happened. This year I see another increase of of almost $300 a year. I have yet to call as I am so pissed off its ridiculous. I have been with this company two vehicles and home insurance for over 15 years. No more I am quite confident I will find insurance with the same or better coverage for what I am paying for now.

Contacted TD regarding insuring 3 properties(2 owned by Fiancee and 1 by myself) Received good quotes. Decided to go with insurance, issued debit information. Then quote changed. The back and forths continued hectically because after the original quote, I cancelled my previous policy, and was now without insurance. After reading several things online, and after I had my quote baited and switched on me, I decided not to follow up.

Expecting paperwork, or a follow up thought nothing of it. Despite the fact that they never actually spoke to my fiancee(ie owner of the properties) , any type of signature, or anything.... they just started taking money. Over $2000 for insurance we already had elsewhere.

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…

Similar to other stories I have seen on here, when I started out with TD home insurance in 2010 my policy was $437 for the year, which by 2014 had increased to $ 1485 for the year. As an example - from 2012 to 2013 it increased by $266, despite never having filed a claim and no changes in the policy.
I am almost certain I'll see yet another increase when I get the renewal papers sometime in the next month, but I am DONE! When comparing insurance with many of my neighbours we are paying $600 -$700 more annually. It is time to shop around, and say good bye to these thieves.

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.