TD Insurance Home Insurance Reviews

Never use TD insurance as it is there to collect premiums only and god forbid if you have a claim they will rip you off by working with contractors who report only what TD wants them to report. I have been a customer of TD insurance for more than 15 years. Experienced a sewage backup that has destroyed a portion of my beautifully done basement. The sewage backup occurred twice due to a city pipe egging. To my horror, the TD representative was not only very difficult to work with but blatantly ignored facts to connive with the TD contracting agency (Integricon) and make a decision to not cover just expenses. I highly suggest customers not consider TD insurance as if you get a claim you are in a lot of trouble with representatives like mine who are out there to minimize expenses for TD despite legitimate customer losses you will be left to pay large amounts from your pocket.

RUN, don't walk away from TD Insurance (...and any of its versions)! If you think TD Insurance comes through for you and is in your corner, you're very much mistaken. I learned this the hard way. TD Insurance takes care of #1 - and that's NOT you. Heed this warning folks and I suggest warning your family, friends and coworkers about TD Insurance as well. One last bit of advice, before selecting an insurance company, be clear on the coverage amount you have if there's a water/sewer backup.

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.

The service has always been excellent - as long as I had no home insurance claim.
We had a major roof leak in our home, roof was 12 years old. Adjuster (who would not return my calls and it took me a full week to get her on the phone) told me my claim was denied due to my own negligence. When I asked her how having a 12 year old roof could be considered negligent (!), she asked me when the last time I had been in the attic to check on my roof, said she checks hers monthly. She was rude, insulting and smug and boy did we fight her. Eventually, our claim was accepted but they made it impossible every step of the way.
If you do have a claim, do everything by email so you have a record of what is said or else they play with you like crazy. Once we started communicating by email (and I had made complaints to superiors), things straightened out, although communication remained poor.
Also, they raised my rates by over 50%. I was told this is what they do in certain neighbourhoods, where they have many clients, they don't want too much risk in case of a flood in the neighbourhood, for example. Or they refuse to provide insurance on certain coverages like, sewer backup or roof leaks.
Terrible company. great service when you call for quotes though.

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.

They have a strategy: over-the-top friendly customer reps are the nicest peope on earth when it comes to purchasing your home insruance. they give you what they make you believe is an amazing offer, and get you to sign an agreement with them.

That's where the good stuff ends.

If you get into an unfortunte situation where you have a legitimate case to claim, they will deny you citing numerous loop holes they have hidden in your terms of contract. If you actually read your contract, you'll see that the most common types of incidents are not covered, and you need to purchase them as add-ons on top of your premium.

I purchased the GOLD package thinking I'm covered in case of most types of incidents. Two weeks ago, due to a blockage in the main pipe, sewer water backed up in my kitchen sink, destroying kitchen cabinets, hardwood floors, and contaminating the entire apartment unit. The adjuster paid a ONE-MINUTE visit to my apartment, only to inform me that nothing is covered because the "sewer backaup from sink" is not covered under my polic, and that it is an endorsement that I had to purchase separately.

If you're with TD Insurance, call immediately and cancel your service. you're wasting your money and will never get anything from TD.

If you're considering TD Insurance, then turn around and run away. Their deal may seem delicious, but it's poisonous.

TD Insurance is THE WORST.