TD Insurance Home Insurance Reviews

I know that my policy premium will increase for the next renewal on Oct 30, 2022 - the very reason why I called and inquired early is so I can make a decision to either continue or discontinue TD. It seems to me that every year our premium increased even without any claim. I can't remember exactly what was transcribed during the phone conversation at that time BUT I remembered mentioning to the person about the new Water Heater, Furnace, and schedule Reroofing. They gave us a number which I think is not reasonable. From my end, we decided to let go of TD and find something else. Today, I received 2 emails from them. 1 is an invoice (didn't realize this till I was talking to the agent) and the other 1 is a renewal policy. I called them to make sure that they are aware that we are not renewing. Then one thing leads to another. I found out they increased my premium from Sept 20 which was what the invoice was all about because allegedly I told them on my phone conversation that our basement is finished which I don't remember and is not true. We haven't done anything in our basement since we bought the place except change the furnace, washing machine, and water heater. I asked the agent to have someone come over to check our basement which he said was not feasible. I felt I am paying an amount that doesn't exist and surely they made mistake. And if ever there's a doubt they can clarify that with me before imposing the increase in the premium. The agent said they tried calling me and I didn't answer. They don't know that when I'm at work I don't bring my phone with me, for a very good reason - I am there to focus on giving care to patients. Insurance Company are making money from people like us who don't even have any claims made. What does it take for them to clarify/verify things before charging us? The answer to this is NOTHING, only confirmation from us. Instead, they go ahead and charge/take money from the person and they say "they have the right to do it". They need to be regulated and they should be held accountable for this. Insurance takes money faster from everyone's account BUT when the account holder needs them... they make sure it lingers before the payout. They are very good at taking consumers in for TECHNICALITY. Where's justice and fairness there?

I had a claim. The work wasn’t done properly, but I noticed it after the warranty expired. They didn’t even want to investigate, just insisted it was done properly. It wasn’t. They should’ve investigated. I’m tired of rising premiums, but not getting what I pay for. Also, the person on the phone wasn’t very understanding.

They sent me a letter to tell me I owed payment for a new year to the wrong address, never emailed me, and canceled my insurance 15 days before I got the letter. Then blocked my online account so I could not pay it, and would not allow me to add my account as a payee. Disgusting. A simple email and allowing me to access the account to pay would have made life a lot easier. Look for another company that actually cares about you.

19 years with them and we will not be renewing with these clowns. Opened a claim after the wind storm May 22 2022 that swept across Ontario. Our home sustained serious damage. I had 4 no-shows agents and then finally a TD adjuster came on June 15. Still waiting for the claim to see the estimates of the damages. Had 2 different contractors come here and access the damages to see what TD should be covering. The damages totalled over $100K. TD wants to cover $7138. They will nickel and dime you! Don't worry TD, we have hired lawyers to deal with you. This is our first claim. Don't do any business with them!

I had insurance with TD for over two years. My credit card company changed all credit card numbers. Instead of contacting me, they cancelled my home insurance. When I called and explained the situation to them they bluntly refused me.

Please don't buy insurance, you will have the worst nightmare in your life. I had insurance with them for 6 years and then when I moved to new property clearly stated to cancel the old one. They didn't cancel and kept charging me for my old property which I never owned. They asked me to send the documents, creating a hassle for the mistake which you didn't make. When I called they said they never received documents from you. Bunch of scammers trying to steal the money. I decided to move on to the next one. Please stay away from them.

I had a small claim due to storm damage. The first advisor told us to proceed which repairs, which we did.
We were then given a second advisor who had the damage assessed at the same $$ our deductible and asked for invoices for the work complete.
A third advisor then just tried to close things out with their estimate vs actual invoices.
Confusing and frustrating, time for a switch

Had a claim. I was told 3rd party will come for an estimate. Waited for weeks to get a damage estimate with a leaking roof causing damage to my room and garage. No Show.
At last, hired someone and ended up changing the whole roof since the shingles were missing and damaged.
TD Home Insurance is a waste of money and time. This is the 8th week.

I've been using TD home insurance for 5 years. I mistakenly paid 37 dollars, too little, I pay once a year. Instead of contacting me, they blocked my account. I didn't mind paying a higher price because they were easy. I will not be renewing!!!