TD Insurance Home Insurance Reviews

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 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.

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.