TD Insurance Home Insurance Reviews

Never use TD insurance as it is there to collect premiums only and god forbid if you have a claim they will rip you off by working with contractors who report only what TD wants them to report. I have been a customer of TD insurance for more than 15 years. Experienced a sewage backup that has destroyed a portion of my beautifully done basement. The sewage backup occurred twice due to a city pipe egging. To my horror, the TD representative was not only very difficult to work with but blatantly ignored facts to connive with the TD contracting agency (Integricon) and make a decision to not cover just expenses. I highly suggest customers not consider TD insurance as if you get a claim you are in a lot of trouble with representatives like mine who are out there to minimize expenses for TD despite legitimate customer losses you will be left to pay large amounts from your pocket.

Our shower recently had a flash leak. We hired a restoration company to do up a report, yet, that wasn’t good enough. TD wanted a plumbers report, so we paid to have that done & his report was the same conclusion, a sudden leak. Both the reports were submitted like requested, both were deemed unacceptable & refused by TD. We’ve jumped thru hoops like they asked, yet a rep sitting behind a desk in Halifax by the name of Victoria Snow decided she was a professional plumber herself & denied the claim. We are now filing a complaint. We even had a video showing how fast the water was flowing out & it would be impossible to ignore, but of course, she refused to watch the video. We pay good money for insurance & TD has been a total rip off. It’s also a 2 hr wait if you try to call. Stay away from TD insurance if you know what good for you. Worst insurance company ever & very rude “know it all’s”.

Pathetic pathetic phone wait...

The TD house claim department is totally unprofessional. I called and sent multiple emails to the claims agent for updates and they never responded.
I've been a client with them for 20 years and this is my first house claim and they are not able to handle it in a professional manner. Extremely disappointed with the client service.
I called and emailed the claim agent Laurence A and her Manager Sonia M and until today no response from either one.
I can conclude that the management is not doing their job at managing their staff.
These are the people that I would never hire as part of my staff.
I do not recommend this company!

TD Employees are trained to only say "I'm sorry" without offering anything else to customers, like myself, who after 18 years of paying claims was bounced around from incompetent agent to agent. Even when I reached their Customer Care department, and assured I would no longer have to wait WEEKS for a response, I waited WEEKS between each call. If you like being placed on holds, never getting an agent to pick up the phone, your emails ignored and the most frustrating claims adjusters, this is the company for you. I have never been treated worse or spent so much time trying to get a claim resolved like I have with TD. I am moving all my business elsewhere.

Most TD insurance customer service agents are rude and poor in services. A couple of times I disconnected the call due to the way he was talking. When I told him he should talk in a better way, he told me it's your choice to talk or not. Another point is about the quote. There is almost double the amount of difference when you quote online and when you call the agent. I got a quote online for 800$/year and when I call the agent to buy the quoted 1500$/year without changing any conditions. When I asked them why does it happen, he said I don't know and I can't do anything.

We have to pay late fees when TD is at Fault! We tried to call for weeks and we had to wait for weeks not knowing if our policy is renewed and then when they finally call, they were rude and condescending and totally take no responsibility for their actions and simply blame the whole incident conveniently on Covid-19, this is totally deplorable that TD would use that as an excuse for their mess and poor service, in face TD poor service proceeds the pandemic!

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?

Old web systems, old IVR phone prompt & holds systems,
... and a 2 hr 30 min hold time, then somehow routed to the wrong province and had to wait another 15 min!!!

I'm switching once I have some free time.

I signed up for TD insurance 2 months ago for my new home insurance. I was told I will receive instructions about how to access the online account. I never received those. I tried making a new account on myinsurance.tdinsurance.com, which takes my information and simply says: "Please call us at 1-877-585-9427 so we can update your profile and finish setting up your MyInsurance account." TD has been charging my credit card on the 1st of every month, so clearly, the insurance policy should be set up. However, they are not giving me access to my online account. And the call wait hours are terrible - I had to disconnect the call after 2.5 hours of waiting!!!