TD Insurance Home Insurance Reviews

I sold one home and bought another... Just needed to get home insurance changed over. I have been on hold now for 1 hour, 29 minutes and 52 seconds... No closer to getting it changed over. I had finally spoken with someone, but he then said he could get his system to work and would transfer to another person... still waiting. This is the most ridiculous customer service ever.

In this recent hail storm, all of my neighbour's insurance companies paying them to replace the roof and siding and this cheap company telling me to repair it instead of replacing, and when I tried to talk to them my adjuster stop picking up my phone calls and no reply for the emails. Do not blame your luck after getting this cheap insurance company. Stay away from them.

2-3 hours no answer! I've been trying for 8 weeks now. In English or in French no difference. They don't even have a way to call you back.

TD Insurance is definitely an unethical company. On my first call for a quotation, I got a fairly low price for home insurance pending home inspection. After a home inspection, they did not call or write. Close to my start date, I called and found out that they have more than doubled the quoted price and the only reason is that the cost of rebuilding if needed is higher than they had quoted. I believe that they should have known all this during the initial quote as they had my house address, house size, roof material, etc. The home inspection did not turn out any discrepancies to our initial conversation. I believe they purposefully underquoted. These are bait tactics that prevented me from shopping and checking quotes from other companies. TD Insurance is definitely unethical. I will not start my policies with them as I can't trust them to keep their promises if an unfortunate event is to happen. PS. Also, they promised to call back within 24 hours with more explanation about the reasons for the policy change but never did. That was more than 7 days ago.

I made a claim in April 2016 due to a windstorm blowing shingles off of our home, and were given to ClaimsPro through TD. We had a roofing company come and quote the damage, but the claim was "closed" due to the damage being less then our deductible. Come July our insurance renewed and our monthly payment went up $50 a month, when I called to ask why I was given to a ton of different people before finding out over a month later that they were claiming the claim under our name because they had to pay the roofing company to come quote the damage as well as ClaimPro for dealing with our claim. My overall experience was horrible, I never talked to the same person twice and was never called back. Do not go through this company, I switched to Statefarm and have had an amazing experience with them so far. I am paying almost $200 less a month for car and house insurance.

I have just cancelled all policies with this company. I had four properties and a tenant package insured with this firm. I also had four automobiles insured with them. There was one claim on a property caused by a tenant who flooded the ceiling in the apartment below.This is the only claim in approx. five years of coverage. During this claim I had to do the emergency work myself as this occurred on a weekend. Once the adjuster did come he was very friendly and quite fine to deal with. However, the damaged caused to the apartment below consisted of a collapsed ceiling kitchen and floor damage which made the apartment unlivable. The contractor was unavailable for 3 months. I had to do the work myself. Next point is that my policy went from $1800.00 per year to almost $7000.00 . There should be a law against this as they are bandits.I am a retired Police Officer and many inmates are far more honest than these people. I cancelled my insurance and had to pay a substantial fee. The co-Operators insurance saved me over $3000.00 and were happy to get my business. This was on just one property. They also cancelled my cottage insurance and tried to charge me a fee to cancel although they were cancelling the policies as they would not insure the cottage without the home, they were charging over $3000.00 a year more for . Insurance companies are out of hand.Their profits are enormous. The consumers need some protection against this behaviour . Politicians talk the talk but really do nothing to help they are just a lip service for these white shirt thieves.

Just calling to get a quote from them is bad enough. The quote they've given me is ridiculous and the customer service rep was no help at all. From all your claim review, I will definitely not be going to them when I can still decide on the provider.

Thanks

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.

This pathetic company lured me in with a "reasonable" premium (3000 CAD) for the first year, then, in spite of being claim-free for several years, offered to renew with a premium of 4000 CAD... Their explanation was that this increase was a general trend over the province. I checked and found out that actually the average increrase was about 7-8%. So I shopped around and found a better policy for 3100CAD.
Don't waste your time with these clowns...

I have insured with TD for my home and car for over ten years. I never claimed anything until last year, my car was stolen, when working with TD for the accident, there is no sympathy, no support, very bad customer experience. I regret that I supported such a cold company over the last ten years. I will never do any business with TD. When you need help, they push you away.