TD Insurance Home Insurance Reviews

to explained in simple term "they do not care" there is no common sense or sense of urgency with TD insurance, even lives are in danger there are no action, you are left suspended, believe me when I say i have called on a daily bases for 2 weeks, TD takes the call but refers to a manager who is not available nor does she call back.
Mother nature wrecked havoc on my house 3 years ago, a large tree on my property was hit by a powerful lightening causing a 15 feet burn on side of the tree, there were also a lot of debris scattered 50 feet into the road, some exterior damages as well as interior damage, electrical switches blown to pieces and smell of wire burning when we arrived home that night, we had no idea what has happened till later from neighbors, we called the insurance company, an arborist and an electrician were sent who disconnected and replaced some electrical switches. we were told by the insurance adjuster that the tree was fine, so they could not help us any further, we started having all kinds of issues with the electrical lines and lost few appliances there after, now tree is completely dead and a large piece has fallen without notice, luckily it did not cause major damages, over 2 weeks and no news, manager will call back .......they promised you know!!!

We are one of the Fort McMurray wildfire victim families. Because of TD’s miscommunication, and unprofessional handling, our family is under a lot of mental and financial stress right now. TD hired a group of Claim Adjusters from USA to mistreat and misbehave with us. Beware that when you need them the most they are "TD CANADA MISTRUST"

They were so nasty to us and never called us back.After a few days they had part of basement cleaned up and the other part to stay wet ,it created mold.I had to pay a company to clean the mold.Now the clean up company has my contents which they have not cleaned,asked me to pick it up.I would like an account of what the insurance paid them and they will not call me back.What should I do?

I had auto and home insurance for almost 15 years with TD, I had a project travel and left my one bank account unattended, so just 1 withdrawal failed, when I came back, they already canceled my policy, and I asked to resume, they said that will be new policy and charged 50% more! It's like a thief! I would change to Royal bank, even 2 times original money!!! Let alone Royal Bank is much much cheap then TD TMD

Called to modify my existing home insurance policy. I was given a quote and a grace period to shop around for a better premium. Shopped around and found it was best to stick with TD. Called back to accept the new premium and was told that the previous quote was incorrect, and was given a much more expensive price, which was not the cheapest I found. Was told that the grace period was over and that the new premium prices were going into effect. Asked what the cancellation fee before the next payment would be, was given a number. Changed insurance providers and when I called back to cancel they tried to charge me over 3 times as much.

Overall very frustrating to deal with and phone agents are either incompetent or are lying to you.

Online quote system doesn't work properly, chat was useless, and eventually I spoke to live agents who were not helpful at answering questions. If trying to get a quote is this hard, what would it be like if one ever had to make a claim.

We had water damage on our ceiling due to frosting in the attic. They sent someone out to look at the damage. Called within 24 hours to advise me that this peril isn't covered. The adjuster told me that if my coverage was platinum or gold (rather than silver) the policy would have offered one time coverage. I asked her to review our history as I had paid for gold coverage for many years prior to but had recently changed to silver. she calls back the following day to tell me they reviewed my file and that she was mistaken...none of their policies cover this type of peril. IF THE ADJUSTER DOESN'T EVEN KNOW WHATS COVERED HOW THE HELL AM I SUPPOSED TO KNOW !!!! They certainly didn't have trouble collecting my premium year after year. Insurance is in my opinion is in place to be used in the event of a significant loss such as mine. There were many opportunities over the years where I could have opened claims in various situations but never did, thinking I'll probably eventually need insurance one day and will use it at that time. I went to use it and it was declined. Thanks for nothing TD Monnex... I'll go un-insured before I renew with Monnex....it's the same end result.

they took insurance fees for five years. when there was a claim they never fulfil the amount to the contractor who worked. there is a small amount they pay and let the owner pay from his pocket.
that is being a loyal customer for five years!!

I would highly not recommend this company for any insurance. I was with this company for 10 years. I had my auto and home insurance with them. I was paying double the amount for insurance. They don't recognize the value of customer and their business . They just need their money. I am happy i moved out from them and learnt my lesson. I did a little bit of shopping and got a way less insurance. My best advice to all is do your shopping for insurance before every renewal it will save you a lot of money. I would not recommend td insurance for anyone.
Thank you.

different agent will give you different answers. the broker is very rude and will cancel your policy if he does not like you.