TD Insurance Home Insurance Reviews

I was out of the country for two years and set up an auto-renewal plan for my home insurance. When I returned, I found out there was a problem with the auto-payment, and so my house was not insured for one year. In addition, when I talked to an insurance representative, I was charged an extra $104 and told I would not be able to renew my plan. TD Insurance had my contact information, but I received no email to let me know about this problem. Very disappointed. I would have been devastated if I came home to a house that had damage, or was burnt down, and no insurance.

I did not have automatic renewal on my policy because I chose a yearly payment.
I could not connect to renew my policy.
I attempted to call the number on the website and on the correspondence I received regarding my renewal but was not able to speak with an agent.
I did this at least twice a week for several weeks.
I attempted to pay online except that I did not have a security code that was apparently required, which I had never received.
I attempted to chat, but not available.
I then purchased a policy with a different provider as I had received correspondence from TD that my policy was cancelled. The other insurer was about $200 per year less for what was actually better coverage.
When I was finally able to connect with an agent, I was told I needed to pay for the first month and a penalty because I had not yet cancelled the policy, the one that TD sent letters to me about cancelling. The amount that TD asked for is also prorated, equivalent to more than a month's premium even though I do not want the policy and had other coverage in place, only because I did not have access to pay. If ever had a question about my coverage or to add coverage, I would not likely be able to contact anyone at TD.

I know that my policy premium will increase for the next renewal on Oct 30, 2022 - the very reason why I called and inquired early is so I can make a decision to either continue or discontinue TD. It seems to me that every year our premium increased even without any claim. I can't remember exactly what was transcribed during the phone conversation at that time BUT I remembered mentioning to the person about the new Water Heater, Furnace, and schedule Reroofing. They gave us a number which I think is not reasonable. From my end, we decided to let go of TD and find something else. Today, I received 2 emails from them. 1 is an invoice (didn't realize this till I was talking to the agent) and the other 1 is a renewal policy. I called them to make sure that they are aware that we are not renewing. Then one thing leads to another. I found out they increased my premium from Sept 20 which was what the invoice was all about because allegedly I told them on my phone conversation that our basement is finished which I don't remember and is not true. We haven't done anything in our basement since we bought the place except change the furnace, washing machine, and water heater. I asked the agent to have someone come over to check our basement which he said was not feasible. I felt I am paying an amount that doesn't exist and surely they made mistake. And if ever there's a doubt they can clarify that with me before imposing the increase in the premium. The agent said they tried calling me and I didn't answer. They don't know that when I'm at work I don't bring my phone with me, for a very good reason - I am there to focus on giving care to patients. Insurance Company are making money from people like us who don't even have any claims made. What does it take for them to clarify/verify things before charging us? The answer to this is NOTHING, only confirmation from us. Instead, they go ahead and charge/take money from the person and they say "they have the right to do it". They need to be regulated and they should be held accountable for this. Insurance takes money faster from everyone's account BUT when the account holder needs them... they make sure it lingers before the payout. They are very good at taking consumers in for TECHNICALITY. Where's justice and fairness there?

I sent my renewal to this company via online banking and they can't find it! I am a teacher and am accustomed to professional service. I have had insurance with these people for over 20 years and will definitely CANCEL my policy. No one knows what they are doing on the phone.