TD Insurance Home Insurance Reviews

Our house got badly damaged in Mays’ Derecho. I opened a claim the next day since cell towers were damaged. They are so overwhelmed and unorganized that our claim has been assigned and unassigned to multiple agents. I’ve been unable to reach any of those agents after several calls, voicemails and emails. NO ONE has returned my messages. We have questions about our policy that only our representative can give us apparently. I tried escalating our claim and was then transferred to the claims department. I was on hold for 4 hours and 30 minutes then the call got disconnected and hung up on me. I have literally no idea what else to do. I’m so frustrated, we don’t live at home at the moment cause our house was wrecked. I feel absolutely powerless.
If you’re considering TD insurance and your house gets wrecked in a storm along with many others, don’t count on them to do anything for you. It’s been 16 days now and no contact from them.

Had to contact them for Home insurance. After they promise me something, it end up after 6 months that was a lie and I was asked to pay a cancellation fee or I have to transfer the policy to my new property from another province. The agent passed me back and forth from one agent to another and in the end, they open me another policy without closing the current policy for the property I sold. Very poor communication skills and customer service. I will never use them again. Lucky I had no claim, cause I don't know how they will handle that.

I waited 4 months and then the claim was rejected. Weekly calls and emails go unanswered and no news from the insurer for the entire period.
They said they don't cover damage caused by moisture in the unit when the damage was clearly caused by the AC unit. The company that replaced and regularly maintains the device - I bought a new unit - confirmed that the damage was caused by the AC unit. The damage on the floor also backs that up. Terrible experience and I need a lawyer now.

I just experience a horrible response from TD Auto and Home Insurance. Can't waste more time here but just want to mention that they have a very poor system as I tried an online quote as well as through phone and all my efforts went in vain.

First, they said insurance was less, then, two weeks later it’s higher.
They let us move a payment date up but did not mention they would take a double payment out.
When we said we will go elsewhere their response was - "That’s your choice...."
We have everything with TD.
Super disappointed and thinking about moving everything over to another bank.
Worse customer ever!

So I had several questions regarding my homeowner insurance. Like many of you, I also had little idea of what I'm paying to my insurance and I wanted to know a little bit more in that regard. I talked to Ziauddin (if that's even his real name) on March 19, 2022, at 12:49 pm. He was rude and not helpful at all. I explained that it'll be me and my wife here at the house and I was trying to gather all the information for the future in case of an emergency. While I explained that to him, he kept ignoring my question and trying to revert it to if I want to file a claim at the moment. I respectively told him I just want to know for what I'm paying and he continues to tell me vague answers. He claimed to pull up 62 pages and when I asked what damage is specifically included, he repeatedly told me if it's in the 62 pages, it's in the 62 pages. I do understand that he doesn't want to read it but that eventually became his answer to everything I asked. He should have somewhat knowledge of the standard policy. After all that, I asked if he can connect me to another associate or his supervisor, and when he heard supervisor, he immediately said "NO". I asked him again and he said he doesn't know if there's anyone there. He told me he is not sure if there is a supervisor. He put me through a line but never got picked up.
TD, I hope that you would re-train him not only on the standard understanding of homeowner policy but on professionalism as well. He requires a lot of training in customer service for he is not polite and when he received a little bit more work, his answers were reverting the work back at the customer. Please review the call at 12:49 pm on March 19, 2022, with Ziauddin ( if that's his name).
Honestly, I would give this a zero star if I can but one is the lowest I can give.
At the moment, I'm seriously thinking about changing my homeowner insurance. And I wouldn't mind if I have to pay more as long as I can get the details I needed.

I called many times for the same issue and the representatives from customer service and WIS Team cut the call when they do not know the solution for an issue or they transfer to the central number without resolving the issue. They did not say goodbye, just cut the conversation. VERY RUDE It looks like it is the culture there because 4 agents did the same because they were not able to fix the issue on the website. They had to be honest and escalate the issue to an instance that could be capable to solve it.

I have been paying my home insurance on time for almost a year. Then I get mail from TD home insurance telling me I have an outstanding balance. I'm thinking there must be a mistake. I call TD. The representative tells me they were charging me less for many months and they want to retrieve the remaining balance. I said that's your error. You tell me one price. I pay it with no problem. The error on TD and they expect me to clean up their mistake. I just talked to a representative who refuses to fix this issue and wants to blame computer glitches.

I had a bad experience with the TD home insurance, they disallow the customer to change the house sold closing date even though before the first closing date calling, but try to recommend you re-quote and increase my insurance fee and early cancel fees charging also.
They never solve the issue, few times called, the agents let me wait within 48 hours underwriting department responded, but nobody calls you back, from Nov 30th to Dec. 10th, the manager never speaks with me when I requested a few times.
It's a really bad insurance company, I cancelled all of the insurance in the, for sure it will end their service forever, I will let my friends and relatives change the company because it will cause more trouble someday.
It should get 0 stars.