TD Insurance Home Insurance Reviews

I purchased home insurance from TD prior to going overseas for a 2-year volunteer placement in Myanmar. I asked to pay the 2 years upfront and was told no problem for autorenewal. TD had my contact and my financial info. After the first year, my insurance was not renewed. I received no phone call or letter to Myanmar (understandable) but no email telling me to contact them, which is not right. When I returned, I was told to pay a penalty and they would reinstate insurance. I paid but then was told I had to wait a year for renewal because now I was a "bad risk". Trying to get insurance elsewhere now meant I would have to pay triple the normal amount as a bad risk. So I waited a year, contacted TD and they said they could not insure me because I had not had insurance for a year! I talked to numerous people at TD and none were willing to see what a ludicrous situation this had become. Thanks to TD my rates will be much higher than my previous impeccable payment record deserves.

They don't care about customers at all, they cancelled my policy without informing or attempting to know the reason. After chasing for 4 weeks I was told it has been declined and let's not mention the average wait time of 1.5 hours every time you call TD insurance.

They took my one year premium on Mar 3 2021 and cancelled my policy on Mar 4 2021 due to nonpayment and did not refund the money I paid. Then they charged my credit card extra one year premium on Mar 31 2021 to reinstate the policy and claimed they have not received any payment on Apr 7 2021. Once I went to my bank to dispute the charge, they immediately said they received the one year premium and then cancelled the policy again, charged me over 500 dollars before refund, in extra to the premiums I have paid Upto the date. Crooks. Avoid at all costs!

Worst employees work here, they don’t understand why it is important to do your job correctly. My home insurance was cancelled twice because of their mistakes. Some customer service agents are helpful and try their best but some are just terrible at their jobs. I had to call various times during the week just to make sure I still had home insurance and they would process things right. Terrible company.

Conned me into signing up, a few months later almost doubled my home rate

Been an Auto member for over 2 years now. Decided to ask for an updated house policy this time at renewal. They gave me a very competitive rate which overall matched what I was paying elsewhere. A few months in they decided to do a house inspection and then took another few months after that. Then decided I need to pay almost twice what they originally quoted! I have to switch back at huge change in premium, I'm now out about $500 - $800 due to this. Do not use TD home insurance or trust the rate they give you!

Please stay away from this insurance company. I had a quote of 800 dollars per year. I talked to the agent on the phone and said I would like to pay the full price in advance. But he set everything up for monthly payments. My credit card got renewed and they couldn’t get the payments. I wasn’t aware of that. They never called me. But they say that they called me two times and have it on file. Anyway, they cancelled my insurance and send me a letter. I got it a couple of days after the insurance was cancelled. I tried to call them and spent for a couple of days hours and hours in their waiting line. I am talking about two hours per day!!! Could not get a hold of them. After I finally talked to somebody and asked them to pay the outstanding balance and get insurance again they refused and hung up. I couldn’t even pay the outstanding balance. Before I could get coverage with another company I had to get back to them and spent some more hours on the phone. They gave me a bad score and now I can’t get any insurance under 2600!!! Because I am considered a bad customer because of their bad score on my file. I was trying to save some money. Got a lot of trouble and now I have to pay more than double what I used to pay before!!! Stay away! Save yourself big trouble!!! Poor customer service.

Got a call from a collections agency today. Turns out TD cancelled my insurance several months ago, made very little (if any) effort to contact me, charged me $218 for something, perhaps a cancellation fee, but the agent didn't even know. I didn't know anything was wrong until I got calls from the collections agency. This on top of having to wait 1 1/2 hours on hold. Asked them where they sent the letters, they had the right address but didn't include the unit number, so I never got them. Thankfully nothing went wrong while I was unknowingly uninsured.