TD Insurance Home Insurance Reviews

The TD house claim department is totally unprofessional. I called and sent multiple emails to the claims agent for updates and they never responded.
I've been a client with them for 20 years and this is my first house claim and they are not able to handle it in a professional manner. Extremely disappointed with the client service.
I called and emailed the claim agent Laurence A and her Manager Sonia M and until today no response from either one.
I can conclude that the management is not doing their job at managing their staff.
These are the people that I would never hire as part of my staff.
I do not recommend this company!

Called and waited 1hr 40 mins only to get disconnected! If you can't answer your phones in a timely manner hire more staff, have a callback service or have a call scheduling app. This is unacceptable, I switched to TD because my last company had the same issues and I'm considering switching again as clearly they don't value my business!😡 they're blaming it on covid but it's been over a year, plenty of time to adapt

They don't care about customers at all, they cancelled my policy without informing or attempting to know the reason. After chasing for 4 weeks I was told it has been declined and let's not mention the average wait time of 1.5 hours every time you call TD insurance.

Waiting on the line for 35 min just to get a barely speaking agent to drop the phone while transferring to a manager. No calls back of course

They took my one year premium on Mar 3 2021 and cancelled my policy on Mar 4 2021 due to nonpayment and did not refund the money I paid. Then they charged my credit card extra one year premium on Mar 31 2021 to reinstate the policy and claimed they have not received any payment on Apr 7 2021. Once I went to my bank to dispute the charge, they immediately said they received the one year premium and then cancelled the policy again, charged me over 500 dollars before refund, in extra to the premiums I have paid Upto the date. Crooks. Avoid at all costs!

Had to make a claim due to a loss assessment at my condo less than a month after moving in. When I purchased my insurance I specifically noted I wanted protection from my condo board's reserve fund in case of any type of emergency. Was assured I would be covered.

When I did make the claim, feeling good about myself for opting for the more expensive coverage and peace of mind - was told flat out that because it's a maintenance issue, it will not be covered. Even though it's a safety hazard... even though it's a common element... even though I specifically asked to be protected from this situation.

The person "helping" me, did nothing.
Awful company, awful bank, terrible services, and bad customer service.

TD Employees are trained to only say "I'm sorry" without offering anything else to customers, like myself, who after 18 years of paying claims was bounced around from incompetent agent to agent. Even when I reached their Customer Care department, and assured I would no longer have to wait WEEKS for a response, I waited WEEKS between each call. If you like being placed on holds, never getting an agent to pick up the phone, your emails ignored and the most frustrating claims adjusters, this is the company for you. I have never been treated worse or spent so much time trying to get a claim resolved like I have with TD. I am moving all my business elsewhere.

Every time at renewal time, the rates increase so I have to phone in to ask for an explanation. The guy said there is something wrong with the system and will call me back, 3 days now and he hasn't called me back. 2 years in a row now that they did that and nobody calls you back. I have to call in again and the wait time is stupidly long.
FYI, Ask the questions and they will help you reduce the rates back.

Poor customer service and very poor risk assessment practice. I made substantial improvements to my home reducing risk profile and increasing safety but TD doesn't want to lower my premiums. During signup, they said premiums will be lower after upgrades but the reality is completely different!

Worst employees work here, they don’t understand why it is important to do your job correctly. My home insurance was cancelled twice because of their mistakes. Some customer service agents are helpful and try their best but some are just terrible at their jobs. I had to call various times during the week just to make sure I still had home insurance and they would process things right. Terrible company.