TD Insurance Home Insurance Reviews

I was claims free with on my home insurance with TD for 19 years then when a tree fell on my shed during a windstorm, I quickly found out they care way more about their "preferred vendors" than they do about their customers. They gave me a replacement quote from their preferred vendor that the vendor would not honor and did not even cover the cost of the materials to replace the shed let alone labor. After 4 months of being ignored, not having emails or calls responded to and not being put through to a manager when requested, I started shopping around and found better coverage for both my home and autos at less than half the cost that I was paying TD insurance. Even trying to cancel the policy was a pain. Used their portal to request a call first thing in the morning and they never called. At 3:25 PM tried again and site told me the office was closed. Called in and low and behold it was still open.

Everything is fine until you have a claim. Unable to speak to anyone, no follow-ups, running after the money they owe us, ghosting us after complaints and outright lying to us that they did not receive documents from a month ago. Overall very stressful and frustrating to say the least. We have been good clients for over 10 years but will never go back. Still waiting on our claim though…

My representative stated that they would give an estimate last Friday over 1.5 weeks since the accident. We sent him numerous calls and emails and nothing! As though he ghosted us. Not impressed at all!

I wish I could give negative feedback. Terrible service. After 20 years in TD insurance, first claim, 2 months no response. Called adjuster, emailed adjuster. No response from TD insurance! Terrible!!!

Beware if in western Canada. They assign you to a rep in Halifax. Time zone makes it difficult to connect. Incredibly poor service. They used the cheapest contractor who made things worse with their work. When I filed a complaint about the poor service they handed the complaint to the person who provided the poor service. She did not care at all. TDI does not care at all. I ended up using my own contractor to do rework.

We are 4 months into our claim, big claim after complete house fire, and it has become a literal full time job. TD does not answer phone calls or emails even with "direct" lines to your supposed adjuster. Our current adjuster, there has been more than one, is located in Halifax and has never even seen our home yet is making huge decisions concerning it. We are fighting them 100% but this is NOT what we have been paying home insurance for more than 10 years for. Our rent is due today (TD is obligated to pay this as part of our coverage as our home is rebuilt) and they have yet to transfer the needed money. Do yourself a favour and learn from our mistake. DO not sign up with TD. When this claim is completed we will never, ever use TD again and have begun telling anyone we can about this despicable company.

If you’re calling to spend money they have dozens of people on the line to speak to. If you’re calling to submit a Claim they’re short staffed.

I had a bad experience with the TD home insurance, they disallow the customer to change the house sold closing date even though before the first closing date calling, but try to recommend you re-quote and increase my insurance fee and early cancel fees charging also.
They never solve the issue, few times called, the agents let me wait within 48 hours underwriting department responded, but nobody calls you back, from Nov 30th to Dec. 10th, the manager never speaks with me when I requested a few times.
It's a really bad insurance company, I cancelled all of the insurance in the, for sure it will end their service forever, I will let my friends and relatives change the company because it will cause more trouble someday.
It should get 0 stars.

The TD house claim department is totally unprofessional. I called and sent multiple emails to the claims agent for updates and they never responded.
I've been a client with them for 20 years and this is my first house claim and they are not able to handle it in a professional manner. Extremely disappointed with the client service.
I called and emailed the claim agent Laurence A and her Manager Sonia M and until today no response from either one.
I can conclude that the management is not doing their job at managing their staff.
These are the people that I would never hire as part of my staff.
I do not recommend this company!

Waiting on the line for 35 min just to get a barely speaking agent to drop the phone while transferring to a manager. No calls back of course