TD Insurance Home Insurance Reviews

Had to make a claim due to a loss assessment at my condo less than a month after moving in. When I purchased my insurance I specifically noted I wanted protection from my condo board's reserve fund in case of any type of emergency. Was assured I would be covered.

When I did make the claim, feeling good about myself for opting for the more expensive coverage and peace of mind - was told flat out that because it's a maintenance issue, it will not be covered. Even though it's a safety hazard... even though it's a common element... even though I specifically asked to be protected from this situation.

The person "helping" me, did nothing.
Awful company, awful bank, terrible services, and bad customer service.

We had water damage on our ceiling due to frosting in the attic. They sent someone out to look at the damage. Called within 24 hours to advise me that this peril isn't covered. The adjuster told me that if my coverage was platinum or gold (rather than silver) the policy would have offered one time coverage. I asked her to review our history as I had paid for gold coverage for many years prior to but had recently changed to silver. she calls back the following day to tell me they reviewed my file and that she was mistaken...none of their policies cover this type of peril. IF THE ADJUSTER DOESN'T EVEN KNOW WHATS COVERED HOW THE HELL AM I SUPPOSED TO KNOW !!!! They certainly didn't have trouble collecting my premium year after year. Insurance is in my opinion is in place to be used in the event of a significant loss such as mine. There were many opportunities over the years where I could have opened claims in various situations but never did, thinking I'll probably eventually need insurance one day and will use it at that time. I went to use it and it was declined. Thanks for nothing TD Monnex... I'll go un-insured before I renew with Monnex....it's the same end result.

Worst company I have ever dealt with my wife called 3 weeks ago to cancel our car and truck insurance . After waiting on hold for 30 minutes they informed her that she could not because the vehicles were in my name, that night I was on hold for 40 minutes and then it just hung up.
I called again 2 weeks later and again was on hold for 48 minutes finally some one came on and we proceeded to do the cancellation, at this time they informed me that I would be charged a extra months payment on each vehicle because I was 5 days away from my payment which meant instead of $180.00 in 5 days it now is going to be $360.00. Highway robbery. I even explained to the girl how many times I called.

Never use TD insurance as it is there to collect premiums only and god forbid if you have a claim they will rip you off by working with contractors who report only what TD wants them to report. I have been a customer of TD insurance for more than 15 years. Experienced a sewage backup that has destroyed a portion of my beautifully done basement. The sewage backup occurred twice due to a city pipe egging. To my horror, the TD representative was not only very difficult to work with but blatantly ignored facts to connive with the TD contracting agency (Integricon) and make a decision to not cover just expenses. I highly suggest customers not consider TD insurance as if you get a claim you are in a lot of trouble with representatives like mine who are out there to minimize expenses for TD despite legitimate customer losses you will be left to pay large amounts from your pocket.

I just received my home insurance policy from TD and found it's incorrect and different from what I was told on the phone with the TD insurance service line. So I tried to call - a few times so far, each time I waited for about 1 hour and no one has answered my phone.

This company is terrible. I had a claim and they took two months to get it fixed when my neighbour`s insurance had it fixed in a week. They always take the maximum amount of time to get the paperwork processed... When they say no more than 10 business days you can be sure they will get back to you at 5 pm on the 10th business day. The adjuster was confusing and did not take ownership - I always had to follow up with him and he would sometimes take over a week to email me back. The wait time to talk to these people on the phone has always been 40 minutes or more - no matter what time of the day. They also try their very best to not follow through on the claim and will leave you having to pay for things you thought for sure would be covered. I have tried to call them 4 times to cancel my insurance and have waited over 2 hours on the phone... Stay far away from TD.

On 13th June 2020, my SUV and two houses were damaged and it been two months and I am nowhere yet. I probably spent over 60 hours on calls with them and the adjusters won't even answer or call back, also they will not reply to the emails. Finally, they are paying for one of my houses and the payment amount is 50% which actually will cost me to fix the house. I WILL NOT RECOMMEND TD insurance at all. Find a better company!

In this recent hail storm, all of my neighbour's insurance companies paying them to replace the roof and siding and this cheap company telling me to repair it instead of replacing, and when I tried to talk to them my adjuster stop picking up my phone calls and no reply for the emails. Do not blame your luck after getting this cheap insurance company. Stay away from them.

I have just cancelled all policies with this company. I had four properties and a tenant package insured with this firm. I also had four automobiles insured with them. There was one claim on a property caused by a tenant who flooded the ceiling in the apartment below.This is the only claim in approx. five years of coverage. During this claim I had to do the emergency work myself as this occurred on a weekend. Once the adjuster did come he was very friendly and quite fine to deal with. However, the damaged caused to the apartment below consisted of a collapsed ceiling kitchen and floor damage which made the apartment unlivable. The contractor was unavailable for 3 months. I had to do the work myself. Next point is that my policy went from $1800.00 per year to almost $7000.00 . There should be a law against this as they are bandits.I am a retired Police Officer and many inmates are far more honest than these people. I cancelled my insurance and had to pay a substantial fee. The co-Operators insurance saved me over $3000.00 and were happy to get my business. This was on just one property. They also cancelled my cottage insurance and tried to charge me a fee to cancel although they were cancelling the policies as they would not insure the cottage without the home, they were charging over $3000.00 a year more for . Insurance companies are out of hand.Their profits are enormous. The consumers need some protection against this behaviour . Politicians talk the talk but really do nothing to help they are just a lip service for these white shirt thieves.

They have a strategy: over-the-top friendly customer reps are the nicest peope on earth when it comes to purchasing your home insruance. they give you what they make you believe is an amazing offer, and get you to sign an agreement with them.

That's where the good stuff ends.

If you get into an unfortunte situation where you have a legitimate case to claim, they will deny you citing numerous loop holes they have hidden in your terms of contract. If you actually read your contract, you'll see that the most common types of incidents are not covered, and you need to purchase them as add-ons on top of your premium.

I purchased the GOLD package thinking I'm covered in case of most types of incidents. Two weeks ago, due to a blockage in the main pipe, sewer water backed up in my kitchen sink, destroying kitchen cabinets, hardwood floors, and contaminating the entire apartment unit. The adjuster paid a ONE-MINUTE visit to my apartment, only to inform me that nothing is covered because the "sewer backaup from sink" is not covered under my polic, and that it is an endorsement that I had to purchase separately.

If you're with TD Insurance, call immediately and cancel your service. you're wasting your money and will never get anything from TD.

If you're considering TD Insurance, then turn around and run away. Their deal may seem delicious, but it's poisonous.

TD Insurance is THE WORST.