TD Insurance Home Insurance Reviews

19 years with them and we will not be renewing with these clowns. Opened a claim after the wind storm May 22 2022 that swept across Ontario. Our home sustained serious damage. I had 4 no-shows agents and then finally a TD adjuster came on June 15. Still waiting for the claim to see the estimates of the damages. Had 2 different contractors come here and access the damages to see what TD should be covering. The damages totalled over $100K. TD wants to cover $7138. They will nickel and dime you! Don't worry TD, we have hired lawyers to deal with you. This is our first claim. Don't do any business with them!

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.

Made my first claim after decades of paying $15K/yr for home & auto & my claims advisor is infuriating. 2 months & she still can't tell me anything useful about my claim. Despite the website detailing how they calculate depreciation on my roof, they arbitrarily increased the depreciation rate.

I don’t even know where to start. Claims rep was horrible to the point of me requesting new rep. I was denied!! I requested my policy 3 times and had to make phone calls before I got it.
I used the companies preferred vendor( first on site) to do the work to avoid problems. Nothing but horrible workmanship from drug dependent workers. Work was supposed to take 2 weeks. 6 months later was only half completed and horrible to the point as I kicked them out of my house.
Ins company won’t pay to replace electronics that were damaged and won’t work. They sent electronics out to be tested and paid $100 to get a letter saying electronics are fine. So they won’t even budge saying everything works when it doesn’t.
I am now going thru an agency to go mediate compensation which is a no brainer obvious call. Even if they are the cheapest rates your throwing ur money away as you are simply not insured as they won’t pay on an everyday claim. Their goal is to say no and make u fight for it .
A one star is too much. If you need proof of this you can reach me at 6667chevelle@gmail.com and I will gladly send u pictures and videos.

Stay away, they will trouble you and keep procrastinating the payments. Telephone waits are excruciatingly long.