TD Insurance Home Insurance Reviews

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.

DON'T USE THEM !!! After the passing of our mother, we tried to cancel her home insurance after it had been sold. We had her home insured at the end of March to the tune of over $1100.00. She passed away in May and that is the month that her home changed ownership. After several calls, numerous emails and all legal papers for the ownership change and death certificates they still asked for more. It took several customer service people, all wanting different papers, to finally get to the point of getting a refund. The refund was $385.00. When asked how come so low a payout, we were told more paperwork was needed. WOW !!! It is the end of October and just got off the phone after asking where is the money. Perhaps in a couple of days, I will see it, so I have been told. I am mad beyond words !!!

So I highly recommend if you use TD insurance, to cancel and go with another company as soon as possible. After 6 months of phone calls and emails, they finally cancelled my insurance policy admitting to me how sorry they were that they dropped the ball on this. They sent me a bill for 20% of this year's policy (they auto renewed) because I was 2 weeks late informing them I’d switched companies. The letter also informed me I had 14 days to pay up or they would send me to collections! I called and was on hold for an hour and 38 minutes and was promptly told by a Steve that they were entitled by law to charge this ridiculous amount and if I didn’t like it, I could contact the government Regulators and take it up with them. Worst customer service I’ve ever had in my life and I intend to let everyone I can know just how completely terrible they are!

I had auto and home insurance for almost 15 years with TD, I had a project travel and left my one bank account unattended, so just 1 withdrawal failed, when I came back, they already canceled my policy, and I asked to resume, they said that will be new policy and charged 50% more! It's like a thief! I would change to Royal bank, even 2 times original money!!! Let alone Royal Bank is much much cheap then TD TMD

Called to modify my existing home insurance policy. I was given a quote and a grace period to shop around for a better premium. Shopped around and found it was best to stick with TD. Called back to accept the new premium and was told that the previous quote was incorrect, and was given a much more expensive price, which was not the cheapest I found. Was told that the grace period was over and that the new premium prices were going into effect. Asked what the cancellation fee before the next payment would be, was given a number. Changed insurance providers and when I called back to cancel they tried to charge me over 3 times as much.

Overall very frustrating to deal with and phone agents are either incompetent or are lying to you.

I used to be with TD Insurance for home but nearly 4 years ago I switched to another company because I figured out I could get better coverage for less money. Its been 4 years and I still get calls and letters from the all the bloody time. They've even done two soft checks of my credit within the last 6 months. I don't know whats wrong with these people but I've asked them to stop calling me and they said they'd take me off their list but low and behold, they have not. I'm not sure why they think they can sell me insurance since I did leave their company but even if I had never heard of them to this point, these business practices alone would make me not want to be a client of theirs.

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.

Been with TD for only two years, and my third year renewal came in, and another increase in rates and more limits on sewer backup, and the roof. I question them about this, and its due to recent floods in southern Alberta. I live in northern Alberta.

Two weeks before my third renewal, I cancelled. Now I have to wait 4-6 weeks to get my automatic bank withdraw reimbursed that they already took out for the new renewal.

Also, I've been able to get everything emailed to me in the past, but for some reason, i can't get my home experience claim letter from them, (which I havne't had a claim). It has to be mailed.

I wished I saw this site before I let TD be a bunch of a-holes to me, and screw me around waiting for my reimbursment and claim history for my new insurance company.

Now my new insurance company knows how TD screwed me.

From now on, I will do my best to inform people about how TD operates.

We're leaving TD Insurance after 5 years of continual rate increases (no claims) with the rate increasing 86% during that period and coverage decreased. My wife and I are retired, on a fixed income, and keep our home in tip-top condition. When calling to inquire about the increase(s), we receive an unsatisfactory response. We have no confidence in this organization's home insurance.

Wow is all I can say, I have not dealt with such unprofessionalism and total disregard for the customer.As most people have said, it is a company that is constantly raising their fees and reducing coverage.I made a house insurance claim , the fisrt agent I spoke to was empathetic to our situation and she made us feel like our insurance company cared and was on top of things.Once we were handed over to an adjuster things started to become unreal, there was a total lack of information and disregard to our phone calls and enquiries.We were told TD was very busy with claims arising from the freezing winter and were referred to an third party agency named Crawford and Crawford to handle our claim. The third party company was as bad as TD, they ignored our concerns and communication was very very bad, in the end we felt helpless as no one would get back to us and when they did we were left with little or no information.They also gave conflicting information and down right lied at times to suit their needs.A complaint to TD which is who I pay my rates to and not this other company did not do much,we felt abandoned by our Insurer so we moved our other insurance products to another insurance company because we felt the terrible experience was not commensurate with our loyalty to TD for many years, four months on our claim is approved but we are still to get our cheque since this Crawford and Crawford company does not seem to know what they are doing and have no respect for clients. I am glad to say I am in good hands now.