TD Insurance Home Insurance Reviews

I have been an auto and home insurance client with TD Meloche Monnex for over 30 years. However, despite only 2 home claims being submitted, (1992 and 2008), they have increased my home insurance premiums a whopping 105% from 2011 to my 2014 premium of approximately $1,500. The main reasons provided for the increases is the jump in claims for sewer backup water damage attributed to more frequent and severe climatic incidents such as the flooding in the Alberta and GTA regions this past spring. They have also reduced my sewer backup coverage from $50K to $15K and increased my premium by more than $100. I was told I cannot increase my sewer backup coverage unless I install a sewer backup valve. They also refused to provide me with historical data to substantiate why my postal code area reflects the highest risk factor for backup. There have not been any major events in the area for the past few years. I have received multiple quotes at a significantly lesser overall premium, which include sewer backup coverage over $500k. Beware to current clients and consumers considering this company.