TD Insurance Home Insurance Reviews

Back in October, I tried to sign up with TD home insurance for my condo. Originally I got a quote for $333 per year at a discounted price because I was an alumnus at a university. But the agent I spoke with messed up and forgot to apply my discount when he sent the policy to me by mail. I called in and another agent was like - yeah, the person forgot to apply your discount and we can’t add it in anymore, we will have to forward your case to another department so they can add it. After months of chasing down, still no update. Then the next thing they send me is a letter saying if I don’t pay the price they sent on the policy, then they will cancel it on Dec 27th. I called them to check the update and they were like if I were you, I’d pay the full amount and then eventually they will credit you back anything they owe you and they’re not going to send the updated policy after. That’s so ridiculous...I said I’m not paying until I get my updated policy with my discount by mail since I’ve had bad experiences in the past where I pay in full and I spent months chasing down to get my credit back which was a hassle. I said it’s either I get my policy with the discount by mail so I can pay or I take my business elsewhere. Then I called them yesterday and they’re like it’s been cancelled because you didn’t pay and - oh there’s an additional $85 you have to pay on top of that because of late penalty fee/ cancellation fee after the deadline. I told them I’m not paying you a penny for something you guys screwed up on. This was the worst experience ever.

I was feeling disappointed after being told that their loyalty discount disappears after 3 years (after the current year 12% rate increase). Claims-free for 40 years. However, after reading some of the horrible experiences from other customers, I am extremely thankful that I have never had to deal with them on a claim. Not sure if the telephone support people are insurance agents but seem to have limited insurance knowledge regarding what is covered in the policy.