TD Insurance Home Insurance Reviews

I am on hold over 1 hour just to make some changes on my policy
Just a Canadian company can do such a thing. It is so frustrating

They quote you one price.. then you have to call them to confirm the price. Lo and behold, the price goes up to $700 yearly! ($1300 to $2000) what a total scam! No thanks TD! I am totally disgusted.

I'm still on hold after 45 minutes. I was just calling to inquire but now I'm considering just to cancel my policy with them. RBC is better when you call them, they offer you an option to stay on the line or they will put you on queue and call you back after a few mins. Not a recommended company. look elsewhere with better service.

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

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.

My partner and I were victims of a tornado in the NCR region. This happened in September, and it is now almost March and we still haven't gotten a proper offer for our claim. The guy dealing with us ignored us until December, we called and emailed so many times and he never replied. We then escalated the matter to two of his managers who both ignored us as well. We lost so much stuff in the tornado since our apartment was on the top floor, to the point that I wanted to move away to avoid reliving the experience. We lost in total over 10K worth of things (my partner's hearing aids were lost, my laptop was broken, etc) so when they finally answered us, they told us they could only offer $1500.....My laptop ALONE was worth 2300 (MacBook), and we lost A LOT of stuff, let me tell you. So, we finally got offered someone else to deal with our stuff, who spoke to us ONCE over the phone, and then has been ignoring us for a month. It's been 8 months! We haven't been able to properly afford anything due to this situation. Please avoid TD at all costs, they will dodge you and low ball you.

My neighbour's house burned down and nearly burned my house down. Dealt with an adjuster who told me I should feel bad for my neighbour as they lost their house. She was not at all concerned for me and my family, who had to sleep in a car for a week because they would not find us anywhere to go. I then called her manager to let her know the terrible treatment we received and she didn’t care and she actually YELLED at me. They’re NUTS. I’m still homeless and they’re useless. Don’t buy this insurance.

My parents have a basement water leak that was assessed by the insurance. The adjuster, who came to their home, stated that they would take care of it and approve it. Not sure if he is talking about fixing it 5 years down the road. He has got to be the worst adjuster ever. Not only have my parents left numerous voice messages, they have also left emails for him to follow up to see what is happening with the timeline. He doesn't even reply back to any messages. He is missing in action. I work in health care and have to deal with adjusters. They are the worst professionals ever. They have no professionalism and no common sense. They lack morals and etiquette. I am a few days away from speaking to the manager at TD insurance and making a big issue about their lack of professionalism. We all live busy lives. Being busy is just an excuse for them. The adjuster just lacks credibility. I believe what goes around comes around. Stay away from these crooks.

I have been banking with TD since the 90's and I have two houses with a mortgage through TD. Being centralized from their bank, I decided to insure both homes with TD Home Insurance. I had an easy claim with a construction company that damaged my house accidentally and said they take full responsibility through our insurance companies. It took over 2 hours to actually get ahold of someone at TD who would talk about the claim (the first person refused to answer any questions and just took my "claim" even though I wasn't sure if I wanted to make one). Finally, I made the claim and my adjuster said they would call me back in a couple days to let me know if the company insurance was going to pay or not. I waited weeks and left a voicemail about everything. Finally, a different follow-up person checked in with me after I have been out of pocket for the whole damage emergency repair bill for nearly a month. She said they would call back in another 10 business days for sure. It's been 10 business days and now two months since the accident, which I had to pay in full and no one has ever called. I'm cancelling both houses this week and going with a company who actually cares about their customers. It is very stressful to not know what is happening and have to spend hours on the phone during a house crisis. Go with someone else if you are reading this.

We have been a loyal customer with TD Insurance for approx. 14 years, house, vehicles etc. They have the nerve after 14 years to "DEMAND" that we install a new eavestrough on our house and they only give us 2 months to do it and it's smack dab in the middle of winter when there is 4ft of snow, ice and it's -20 temperatures. Not to mention it was over the Dec/Jan months when they demanded it be done and show the proof of a reputable company. We have NEVER made any house claims and we have NEVER missed payments on anything. I cannot tell you how ANGRY I am with them. And their letters always say "we're here to help" "you are important to us". What a load of CRAP! If this is how they treat a long time loyal customer... STAY AWAY !! And if the Rating was negative, I'd give them a minus 1000.