TD Insurance Home Insurance Reviews

They have a strategy: over-the-top friendly customer reps are the nicest peope on earth when it comes to purchasing your home insruance. they give you what they make you believe is an amazing offer, and get you to sign an agreement with them.

That's where the good stuff ends.

If you get into an unfortunte situation where you have a legitimate case to claim, they will deny you citing numerous loop holes they have hidden in your terms of contract. If you actually read your contract, you'll see that the most common types of incidents are not covered, and you need to purchase them as add-ons on top of your premium.

I purchased the GOLD package thinking I'm covered in case of most types of incidents. Two weeks ago, due to a blockage in the main pipe, sewer water backed up in my kitchen sink, destroying kitchen cabinets, hardwood floors, and contaminating the entire apartment unit. The adjuster paid a ONE-MINUTE visit to my apartment, only to inform me that nothing is covered because the "sewer backaup from sink" is not covered under my polic, and that it is an endorsement that I had to purchase separately.

If you're with TD Insurance, call immediately and cancel your service. you're wasting your money and will never get anything from TD.

If you're considering TD Insurance, then turn around and run away. Their deal may seem delicious, but it's poisonous.

TD Insurance is THE WORST.

Found a leak in our basement bathroom, immediately called TD insurance to start a claim as we did not know the cause or the extent of the damage. Turns out that the leak is from an improperly installed drain pipe on the tub drain from renovations done on the home prior to us purchasing it. Our claim has been denied on the basis that faulty installations are not covered. I can understand the repair part of the job. I have to fix that-that's a given. But what about the damage caused? We are in the process of selling our home and we made it very clear at the beginning of all this we needed it expedited quickly. It as taken three weeks to get ANY kind of answer from TD Insurance. The worst part? I am TD staff! I know the company I work for treats its customers better than this-or so I thought. This has put me in a very awkward position with my employer. But I am a customer like everyone else, and I have the right to complain about poor service too.

Roof damage assessed as old, so my claim was rejected when roof leaked. Yet, roof was evaluated by two different roofers only a few months before and declared sound.
The process has been frustrating as calls were not returned, promises made and TD rationale is not sound. I have appealed and now am chasing down people who said they would call back. No clear timelines and it has been four months of non-accountability. I was asked to submit my roofer's own report and did so, to no avail.
Please note: my policy is deemed by TD Insurance as the Platinum Policy, the very best policy there is for home insurance. I have never made a claim in 10 years.
I am trying to communicate presently with the Ontario Ombuds so awaiting a return telephone call.

When I went to re-new my insurance they raised my rates by 35%. Only after I signed elsewhere did they come back with a lower rate.