TD Insurance Home Insurance Reviews

Absolutely a waste of time and very rude. Explained the house insurance we had ended on the 17th of the month, and they set the new insurance with them to start on the 20th, leaving a 3-day gap. Once they realized they made an error they cancelled the insurance policy citing a breach of internal policy, never taking accountability for the mistake they made.

I have been trying to get a deceased person removed from my policy since Nov 2021 with no success they refused to cancel my policy tell I provide them with a copy of the deceased will as a death certificate is not good enough for them. they are also requesting that I provide them with the deed to my property as the transfer of property is not good enough. I have sent them the request over and over again in the past week and have gotten no response from them when I call to see if this info has been added to my file I get told no and to resend the info again I have emailed at least 10 times now with the same info. I have gotten attitude from the people on the phone. I don't understand why these people can not provide their own company email so things can be added ASAP when a customer needs things done right away. I have been with this company for a few years and I will be cancelling my policy with them as soon as they receive the info they say I have to keep sending. I was told if I don't provide this info that I will be charged monthly still and that if I don't pay then I get non-payment that goes against me to get insurance elsewhere. I don't recommend this company to anyone if possible avoid using this insurance company. TD INSURANCE IS THE WORST COMPANY TO DEAL WITH!

- Added tenant insurance for my son to my account but home insurance got moved to a different account. Lost multiple policy discounts. They corrected it but would not compensate me for the loss. Asked for elevation, put on a call back list, 2+ weeks ago.
- Fire Claim. Adjuster took too long to make contact and then only by phone. Left messages "this is message #1", "this is message #2". Had to search for the adjuster's email address. Took over two months to resolve. Should have taken two days.
- After the claim was denied I became involved with a liability claim. That adjuster did not contact me. The eventual contact was terse. Elevated to supervisor. Still nothing and had to contact again. Then a denial because MAYBE the Chainsaw used in a dry wooded area on a day with windy conditions, MIGHT have malfunctioned.
- Very concerned if I ever have a fire claim, it will be denied outright because MAYBE something inside the home MIGHT have malfunctioned.

When I first switched to TD they were great. Now they’ve outsourced and I’ve had nothing but trouble. I called to get a quote on a new policy as we were considering purchasing a new property. They made the policy effective immediately when it was only supposed to be a quote. AND they cancelled my existing policy! When I called to correct it, they made me go through the entire questionnaire as if it was another new policy. I kept saying, I just want my policy reinstated, nothing has changed, but they still made me go through it all again.

We moved to a much smaller less valuable house and my insurance went from 148 a month to 353 a month, and they could not tell me why. One agent said, "maybe it is your location"? I have tried to get through to TD as well - I have been on hold for 1.5 hours now and have still not spoken to anyone. Marvellous customer service for sure...

I've been with TD for about 3 years. Initially, they were a great company to deal with regarding insurance and claims. I'm moving and thought to change my renter's insurance to my new address. I figured it would be a quick 30-minute phone call but I was wrong. it took 5 HOURS to get a hold of someone. I just got my paperwork in the mail regarding my change to find out that they are charging me $133 for changing my address. On top of that, I am now paying for my old and new place (double rent insurance). Now I get to be on hold for hours again but this time it will be a cancellation of all my policies!

My building policy was changed, I tried to call TD insurance and get a hold of them. However, I have had the most frustrating call experience. On the first day, I was on the call for 1.5 hours and they hung up on me. On the second day, I was on the phone again for 1 hour and no result again. On the third day, I was on the phone for nearly 2 hours and no response again. So, I tried to call TD bank instead and complain about my experience. They finally transferred me to an agent and the agent told me she will call me in 24-48 hours with a new quote. A week is passed and no one called me. So, I tried their online chat this time. I was waiting for 1.5 hours until it is my turn and the agent told me he cannot get access to my account unless I am registered via MyInsurance. I tried to register and faced an error that you need to call this toll free number I have been calling for the past few days. The agent basically refused to help me and referred me to the call that none responded. I honestly want to cancel my insurance and there is no way to get a hold of someone to at least cancel the insurance. Worst insurance ever...

I sold one home and bought another... Just needed to get home insurance changed over. I have been on hold now for 1 hour, 29 minutes and 52 seconds... No closer to getting it changed over. I had finally spoken with someone, but he then said he could get his system to work and would transfer to another person... still waiting. This is the most ridiculous customer service ever.

I was with TD Insurance for 2 years before moving to a new home. When updating my insurance information, I provided the correct home address except for the postal code. TD sent new information to the wrong address and continued to do so for some time. Now I have an outstanding payment and zero coverage. During this time I received zero phone calls from TD in regards to my policy and the outstanding payment. I also received zero emails. I would never find out about the letters as they were all being sent to the incorrect address. After contacting TD about this, they were very rude and defensive, blaming us entirely refusing to take on any responsibility for their archaic communication methods. Save your time and money, go to a different company for your home insurance.