TD Insurance Home Insurance Reviews

I have been a customer for 40 years. Like someone else said on here they now provide an extremely poor service level. I sold my home and tried to cancel online. It gives me a confirmation number but the 2 people I spoke to at TD couldn't see it after I waited 1 hour on hold. I called 2 previous times over the past 5 days and hung up after about 35 minutes. After all this, they want to charge me a cancellation fee? Do they think I should pay a premium on a house I do not own anymore?

TD home insurance charged 250 dollars for early cancellation, not renewing the rest of my insurance with them.

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!

I had a minor claim and my TD insurance went up over $500.00 a year and has kept going up significantly. I even changed my deductible and a few other things to keep the rates as low as I can but continued to pay over $2000.00 a year.
Then I had a break-in and couldn't even do a claim. My $3000.00 bike was stolen and TD only covers $500.00 for your bike maximum no matter what it is worth. So we didn't even do the claim.
I called them at the end of September to explain we would need less than 2 months' coverage. So after the 2 months, I see a final payment of $199.15. I call and it cannot be changed or reversed and is the cancellation fee...

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.

This insurance company sets up anyway and every way to charge their clients. If you work on computer at home, they add an amount $. At the end of the year of your payment, if you want to cancel your policy, they charge you as well, almost $100, even in a very bad situation like coronavirus pandemic when my own bank reduced interest on all their products. If you are looking for home insurance, make more phone calls and find someone else.