TD Insurance Home Insurance Reviews

Dealing with TD insurance has been incredibly frustrating, and I'm only talking about making a payment and getting a ring insured. I'm sure making a claim would be a complete nightmare. I sent in an appraisal to have a ring insured, they promised it would be processed in 1 to 2 days. After 8 days with no response I called again and they said they were busy and refused to give an ETA. After 2 or 3 weeks with no response, I called back and changed my insurance policy to include jewelry and told them to not add the ring as a separate policy. A week later they sent me a bill for the rings policy and charged it without my consent. One of the most poorly run operations out there!

Would not cover due to outside water coming in through a crack in foundation. After 10 years with TD, it still was refused. Not worth hiring a lawyer or fighting in small claims court. They need to be sued on a class action basis and maybe straighten up.

We've had a vacant property insured for a year and at the one year mark, they cancelled our policy, leaving our property uninsured. They have no problem mailing our policy with private information on it, why couldn't they have the courtesy to communicate with us that this would happen? Also, they have never said that they won't insure properties that are vacant for a year and lead us on. I DO NOT recommend them. Stay away from this company.

We had a claim and we were not being treated fairly thus gave up. Every point raised they said the policy did not cover. It took 10 days to get a copy of the policy to show we were covered for roof water damage. Then we were told to submit a second claim for an additional deductible, we requested a second adjuster and were told there was not an acceptable adjuster in our area. This was for hail damage and they would only consider patches rather than replacement. Our neighbours, who have a different insurance company, are having repairs completed. Found the staff to be junior in status and not willing to provide a service for which we thought we were paying for. This was the first and only claim with TD Insurance over some ten years.

Getting through to their phone agents is a pain. Takes very long and then usually end up transferring you which takes even longer.

I cancelled my policy and they told me I would be deposited a refund after deducting from my last payment some amount. 3 months later, I get a letter threatening with collection actions for 19 dollars owed in the account!

Called them and got nowhere. Terrible experience. I had no claims, but based on other reviews, I imagine that would have been a pain as well. Stay away from TD. Have never had as much trouble or shadier billing practices with other insurance companies, only TD. Garbage.

Prices are amongst the best in the industry but the phone service is terrible, utterly terrible. I am on hold as I type this and have been waiting for 1 hour and 32 minutes. Who knows how much longer.

I kept calling over a week, every call was over 1 hour, even I could not talk to any representative. So terrible service

The overall price is reasonable if you can obtain a group rate. But the service is TERRIBLE. Wait times on their phone system is commonly an hour. TD Bank made 3.2 Billion dollars in profit during one quarter in 2019 and they cannot afford to hire more service personnel?!

I had a flood in my duplex because the main drain got blocked halfway down and my claim has been refused. It can take hours to get a hold of customer service.

Like many of the other reviews here I have been on hold for over an hour and still have not talked to a representative. I switched to TD because a friend recommended them but I am now regretting that choice. While I was signing up for the service I was on hold for 5-10 min max. This is ridiculous. Time to change to another company.