TD Insurance Home Insurance Reviews

TD home insurance charged 250 dollars for early cancellation, not renewing the rest of my insurance with them.

We had hail damage on the roof and sliding at beginning of July 2021 in Calgary. It cost me 4 months for the process and nothing for repairing started yet and might have to wait for it till next year. How bad management for their vendors in TD! Never has this worst experience in my life. I will not be with TD Insurance forever! If I can, I want to give TD insurance 0 stars...

TD is the worst insurance. Really bad customer service. Waited for hours on hold. When you make a claim they never get back to you. When I called had to wait a very long time on hold. They are very unprofessional, I made the same claim three times and they said that they lost the file or they didn’t know the password to get in. I wanted to give zero stars, but the review wouldn’t go through.

- Added tenant insurance for my son to my account but home insurance got moved to a different account. Lost multiple policy discounts. They corrected it but would not compensate me for the loss. Asked for elevation, put on a call back list, 2+ weeks ago.
- Fire Claim. Adjuster took too long to make contact and then only by phone. Left messages "this is message #1", "this is message #2". Had to search for the adjuster's email address. Took over two months to resolve. Should have taken two days.
- After the claim was denied I became involved with a liability claim. That adjuster did not contact me. The eventual contact was terse. Elevated to supervisor. Still nothing and had to contact again. Then a denial because MAYBE the Chainsaw used in a dry wooded area on a day with windy conditions, MIGHT have malfunctioned.
- Very concerned if I ever have a fire claim, it will be denied outright because MAYBE something inside the home MIGHT have malfunctioned.

I have a TD home insurance phone to talk to customer service related to my home insurance.
Three times call the customer line and waited for over 25 min and finally hang up. They are making money on my policy but have no time to talk to the customer.
Next year I will change my provider.
Bad
Bad
Bad service.

My worst experience in many years. TD was slow, made large errors and repeated them, had long wait times and I was cut off twice during long waits. I lost count of how many apologies I received for incorrect information. Cut the grief and use a broker. When I did this I received excellent service and a lower premium for an identical cover. It's a big relief to be free of TD...

TD has been sending our mail to the wrong address and so we did not know it was renewed. Somehow they managed to get a past due bill to our correct address. I called to request they backdate the cancellation.
I had to sit on the phone for over an hour and a half and go through 3 separate agents before anyone would help me. The first agent refused to help, the second agent put us on hold for over 30 minutes. Third arranged manager call back.
Unfortunately, the manager, Bo, was the worst yet. He admitted they'd been sending our mail to the wrong address. He admitted the experience I had was inexcusable. When I asked how they managed to get a bill to the correct address, he had no answer. He admitted he had the ability to backdate the cancellation, but he refused to because he said it didn't warrant it, even if we never received any documents.
We've filed a complaint with the better business bureau. Avoid TD Insurance at all costs, especially the Halifax branch.

I sent my renewal to this company via online banking and they can't find it! I am a teacher and am accustomed to professional service. I have had insurance with these people for over 20 years and will definitely CANCEL my policy. No one knows what they are doing on the phone.

When I first switched to TD they were great. Now they’ve outsourced and I’ve had nothing but trouble. I called to get a quote on a new policy as we were considering purchasing a new property. They made the policy effective immediately when it was only supposed to be a quote. AND they cancelled my existing policy! When I called to correct it, they made me go through the entire questionnaire as if it was another new policy. I kept saying, I just want my policy reinstated, nothing has changed, but they still made me go through it all again.

I purchased home insurance from TD prior to going overseas for a 2-year volunteer placement in Myanmar. I asked to pay the 2 years upfront and was told no problem for autorenewal. TD had my contact and my financial info. After the first year, my insurance was not renewed. I received no phone call or letter to Myanmar (understandable) but no email telling me to contact them, which is not right. When I returned, I was told to pay a penalty and they would reinstate insurance. I paid but then was told I had to wait a year for renewal because now I was a "bad risk". Trying to get insurance elsewhere now meant I would have to pay triple the normal amount as a bad risk. So I waited a year, contacted TD and they said they could not insure me because I had not had insurance for a year! I talked to numerous people at TD and none were willing to see what a ludicrous situation this had become. Thanks to TD my rates will be much higher than my previous impeccable payment record deserves.