TD Insurance Home Insurance Reviews

10+ Year Multi-Home Policy Customer here, my renewal premiums went up by over 50%, so of course called to see why and perhaps make some changes. Spent hours and hours and hours on hold trying to talk to someone about this. Twice I was disconnected right as someone was finally getting to me. I tried the chat function, spent hours there as well. Sent an email on their secure platform, nothing. They have taken disgraceful customer service to a whole new level. Unbelievable. I had no choice but to take my business elsewhere after being a loyal 10+ no claim multi home-policy carrier. Interestingly when getting other quotes, every other insurer was able to answer their phones, and I had no problem getting a much much lower quote, more comprehensive as well. I can't even get ahold of them to cancel my renewal. What a joke. Disgraceful, they don't care about me, clearly, or anyone else who's trying to connect with them. Thank GOD I didn't have to rely on them to settle a claim. PS. I called their claim number in desperation and could not get service there either. What a joke. Be warned! Go ANYWHERE else.

Getting ahold of customer service representatives is nearly impossible. Emails go unanswered and the hold times on the phone and online chat are HOURS. Once I actually get ahold of someone they are always very friendly and helpful but it's insane how long the wait times are.

It's been 5 days that I'm trying to update my policy I have been on hold for 3-4 hours each time with no success. I will be looking at another agency, as this is totally unacceptable customer service!

I signed up with TD Home insurance because of the good rates through my alumni discount. After setting up the policy I had to make a small change. I called repeatedly but have been on hold - day one was 2.5 hours, and day two was over 3 hours. No customer service agent has answered. This is ridiculous. Avoid TD home insurance and go with another company.

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.

In this recent hail storm, all of my neighbour's insurance companies paying them to replace the roof and siding and this cheap company telling me to repair it instead of replacing, and when I tried to talk to them my adjuster stop picking up my phone calls and no reply for the emails. Do not blame your luck after getting this cheap insurance company. Stay away from them.

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.

2-3 hours no answer! I've been trying for 8 weeks now. In English or in French no difference. They don't even have a way to call you back.

TD Insurance is definitely an unethical company. On my first call for a quotation, I got a fairly low price for home insurance pending home inspection. After a home inspection, they did not call or write. Close to my start date, I called and found out that they have more than doubled the quoted price and the only reason is that the cost of rebuilding if needed is higher than they had quoted. I believe that they should have known all this during the initial quote as they had my house address, house size, roof material, etc. The home inspection did not turn out any discrepancies to our initial conversation. I believe they purposefully underquoted. These are bait tactics that prevented me from shopping and checking quotes from other companies. TD Insurance is definitely unethical. I will not start my policies with them as I can't trust them to keep their promises if an unfortunate event is to happen. PS. Also, they promised to call back within 24 hours with more explanation about the reasons for the policy change but never did. That was more than 7 days ago.

TD Insurance has decided not to insure properties under construction due to COVID-19. I asked, but nobody was able to give me an answer as to how a virus can cause damage to a residence. I've been with TD Insurance for my home and vehicles for 9 years. My property went under construction during COVID-19. I tried to change my policy due to the construction that is underway (and stalled). They told me they cannot provide insurance due to the virus. DO NOT CHOOSE TD insurance.... they will take your money, but when you need them, they say "we can't help you"...