TD Insurance Home Insurance Reviews

I have been banking with TD since the 90's and I have two houses with a mortgage through TD. Being centralized from their bank, I decided to insure both homes with TD Home Insurance. I had an easy claim with a construction company that damaged my house accidentally and said they take full responsibility through our insurance companies. It took over 2 hours to actually get ahold of someone at TD who would talk about the claim (the first person refused to answer any questions and just took my "claim" even though I wasn't sure if I wanted to make one). Finally, I made the claim and my adjuster said they would call me back in a couple days to let me know if the company insurance was going to pay or not. I waited weeks and left a voicemail about everything. Finally, a different follow-up person checked in with me after I have been out of pocket for the whole damage emergency repair bill for nearly a month. She said they would call back in another 10 business days for sure. It's been 10 business days and now two months since the accident, which I had to pay in full and no one has ever called. I'm cancelling both houses this week and going with a company who actually cares about their customers. It is very stressful to not know what is happening and have to spend hours on the phone during a house crisis. Go with someone else if you are reading this.

My condo was recently flooded (neighbour's fault) and I had tried calling TD Insurance various times throughout the week, each time was a minimum wait of at least an hour. By the third time I called TD, it took just over 2 hours to speak with a representative. This is unacceptable customer service from TD Insurance. Will be changing providers once this is all settled

They will try everything to decline your claims. Poor customer service. You have to wait on the phone for over an hour if you are an existing client while it only takes 5 minutes for the new insurance sales line!!! They just want to sell you insurance with any lies. They are just a big SCAM, avoid them if you can

I was feeling disappointed after being told that their loyalty discount disappears after 3 years (after the current year 12% rate increase). Claims-free for 40 years. However, after reading some of the horrible experiences from other customers, I am extremely thankful that I have never had to deal with them on a claim. Not sure if the telephone support people are insurance agents but seem to have limited insurance knowledge regarding what is covered in the policy.

1 hour 6 minutes holding on the line listening to their commercials. Due to their poor customer experience management, they created a problem for me from nothing and made me solve their puzzle by wasting my time and money.

They were so nasty to us and never called us back.After a few days they had part of basement cleaned up and the other part to stay wet ,it created mold.I had to pay a company to clean the mold.Now the clean up company has my contents which they have not cleaned,asked me to pick it up.I would like an account of what the insurance paid them and they will not call me back.What should I do?

Online quote system doesn't work properly, chat was useless, and eventually I spoke to live agents who were not helpful at answering questions. If trying to get a quote is this hard, what would it be like if one ever had to make a claim.

different agent will give you different answers. the broker is very rude and will cancel your policy if he does not like you.

When I bought my house 5 years ago I went with TD because the last owners were with them and the price seemed reasonable $90/month. Within 2 years they raised my premiums to almost $200/month and I have never filed a claim. I lost my job 2 years ago and was having a very difficult time making ends meet. I called all of my creditors and explained my situation and they were all willing to cut me some slack and give me a few extra days, including my mortgage lender. But not TD. I called to tell them that I would be ONE DAY LATE! and they told me that if I was ever late again that they would cancel my policy and I would be liable for the balance owed. Recently there was a leak in the roof and it took them a week to send an inspector. I was told that if the leak was due to the roof being in bad shape they would not cover it, but if it was due to shingles being blown off the roof they would cover the cost of the resulting damage, but not before I paid a $1000 deductible. They called me yesterday to tell me that they couldn't help me because according to the report there were no shingles missing, despite the fact that I pointed them out to the inspector!!!

I had TD insurance for both my house with my tenents and rental place in Halifax, When I changed my place to Calgary, I called them to CHAMGE the address for my tenant insurance ONLY. They stupidly canceled both my home and tenant insurance. then they claimed I ask them to cancel both insurances. I found the customer service super immature and unprofessional and you better to take few days off and get your ear ready for hours of "please hold a sec" that takes hours to check something in their system. thank god you are not insuring something on moon, Otherwise I need to wait for your lame actions for years.

Trust me, do not go for TD INSURANCE.