TD Insurance Home Insurance Reviews

My payment didn't go through as I changed my credit card from TD as I thought it would have been hacked. This is definitely my fault but they didn’t notify me once of the missing payments. I was under the assumption that the policy was still on and had no idea of missed payments. One day I realized that there was no payment being made. When I asked them they had already canceled my plan without notification. Thankfully nothing bad happened at the time while I was under the assumption that I was covered. Be aware.

Have had 4 adjusters on one claim. They can be anywhere in North America and work at whatever time is not convenient for you. This is the worst customer service experience I have ever had and I am 60. Terrible! Don't let low rates fool you. They treat you like a fool and have never sent someone to my house to check out the claim. They seem fraudulent.

After a storm last summer caused extensive hail damage to our entire house, we filed a claim with TD. The agent was initially pleasant and assured us things would go smoothly. As soon as we decided to go with our own contractor, she swapped with another agent. This one ignore our communications, had zero manners and compassion, and lacked any intelligence. TD kept giving the run around so as to avoid paying what was owed. Despite the massive damage, TD refused to replace all of the sidings. Our home was over thirty years old and their own adjustor told us in person he doubted we would find the exact match in color for siding that old and faded. Our home was the worst on the street in terms of damage, but neighbors with other insurance companies had all of their siding replaced within weeks/months. A year and a half and seven agents later, we continue to get no resolution. The siding they agreed to replace has been complete for seven and a half months. TD is supposed to do a six-month assessment to determine if it matches. Our contractor told us the color doesn't match exactly, and the trim and wrap are different because it isn't produced anymore. He said our home has declined in value and that should be reason enough for TD to replace the remaining siding. But TD refuses to respond. We just got another agent who doesn't bother updating us. They're just trying to hold off so two years will pass and they'll simply close the claim. Every other neighbor who has TD has had the same issue. Do NOT recommend it to anyone. Nightmare experience!! Should've listened to people warning us not to go with TD. They do not value their clients in the slightest.

You cannot rely on this insurance company. They suddenly cancelled my home insurance showing some 100% false reason. It was a complete surprise to me and deserved a lawsuit. Never by any insurance from TD.

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.

We have twice major hail damaged in Calgary. Once in 2015 and 2nd was in 2020.
TD Bank never covered my backyard stuff and even don't bother to reply to any of my emails. They are only busy promoting a different good cause they like helping poor children with food and water (and so many cause they don't do or promote) and not helping any other communities at all.

Very poor service and one of the most greedy banks in Canada that don't care for the customer at all

It turns out that, by default, their policy does not cover water leak damage for an unoccupied condo unit (note: the leak was caused by another unit). Then what am I getting insurance for..?!

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.