TD Insurance Home Insurance Reviews

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.

I made a claim in April 2016 due to a windstorm blowing shingles off of our home, and were given to ClaimsPro through TD. We had a roofing company come and quote the damage, but the claim was "closed" due to the damage being less then our deductible. Come July our insurance renewed and our monthly payment went up $50 a month, when I called to ask why I was given to a ton of different people before finding out over a month later that they were claiming the claim under our name because they had to pay the roofing company to come quote the damage as well as ClaimPro for dealing with our claim. My overall experience was horrible, I never talked to the same person twice and was never called back. Do not go through this company, I switched to Statefarm and have had an amazing experience with them so far. I am paying almost $200 less a month for car and house insurance.

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.

First, they said insurance was less, then, two weeks later it’s higher.
They let us move a payment date up but did not mention they would take a double payment out.
When we said we will go elsewhere their response was - "That’s your choice...."
We have everything with TD.
Super disappointed and thinking about moving everything over to another bank.
Worse customer ever!

They miscommunicated that we wanted the restoration companies to clean everything, ended up paying over $12,000 out of pocket for the accidental restoration of broken/non-fitting items. Wouldn’t get callbacks for WEEKS, dealt with over 30 people trying to get things fixed or done. Went through three main adjusters, one let go for incompetence, another had a job change in the middle and the last wrote off all usable clothing instead of provided list I made myself of actual losses. I lost all of my sentimental things that were fine due to this with an unreasonable (CRDN) company. DO NOT DEAL WITH THEM. Sold us a policy when I asked for $50,000 EXTRA coverage for jewellery ok top of the $79,000 content, they charged me $200 more (on top of $400, 50% more) and made $50,000 out of $79,000 for jewellery. Lost so much due to this clerical error but they would not take responsibility. After a review of the call, they admitted it was a miscommunication on their end but did not fix it. I called for another quote and they told me the same thing! Tried to sell me the same package with incorrect info! I have recordings of all of the misinformation from CRDN and TD and intend on getting some money back from CRDN. Two companies mistakes I had to pay for. Please do not deal with these guys!

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.

Prices are amongst the best in the industry but the phone service is terrible, utterly terrible. I am on hold as I type this and have been waiting for 1 hour and 32 minutes. Who knows how much longer.

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.

They are useless and deliver bad service. Constantly raising rates even between terms. Not happy at all.

We had a wind and water claim started. We had this open for about a month after calling in and took forever to get someone to come to our home.Adjuster was rude,unorganized never answered phone judged everything as though she was paying out of her own pocket, very cheap outfit! Dropped us at the end said if we didn't come up with money to pay for sheathing and to add over inflated price x2 the price the contractor wanted to put in they would not proceed. We are talking over 6,000 plus 1,000 deductible or pay us out so they could wipe their hands of any liability as they weren't paying .We didn't have that money in the budget and at first were told everything was covered. No we had to take the payout and they automatically deduct the 1,000 deductible and even though they have a quote are going through with a fine comb to trim costs. At the end the million dollar roofer who works for them is making a killing even tried to make private deals and get us to approve work just so he could move on. I offered to purchase the wood to afford the repairs and flat out no was the answer..If you are here looking at reviews take the money and find a small time carpenter or company if not in an emergency like us. What a disaster never again! Run stay far away from this outfit cheap rates but you will pay for it in the end.