TD Insurance Home Insurance Reviews

I have had home insurance with TD for over a decade - car and home. At this time, they have increased premiums annually without any specific explanation or due to any claims made by me, on both policies.
Despite this, I have remained with TD on the assumption that the higher cost to me would be justified by a quality service if and when I do claim.
I made my first claim on both the car and home policies in May 2021.
The car claim was settled quite smoothly and within a reasonable timeframe (6 weeks); no issues there. However, the claim on the home policy has been an altogether nightmarish experience that remains ongoing!
Since making this claim...
- Two assigned claims handlers have gone AWOL without any handoff to a new handler. In both cases, they left unanswered emails and calls and I had to call the call center, as well as write to both the team manager and Complaints dept. to get someone engaged
- (I should have just taken the cash settlement but.... ) I opted to go with the TD-appointed Contractor to carry out the repairs on the assumption that TD has vetted the contractor to ensure reliability and integrity. I also did not want to be managing the repairs and finding my own contractors.
What a mistake!! As yet (12+ months later) the contractor has not completed the work and my claim remains open with TD
- The contractor has sent in subcontractors with a poorly defined scope of work on multiple occasions. One team left my property further damaged and showed little respect for my home and did not respect any Covid protocols (they showed up with 5-6 men to do work in a relatively enclosed space in my home and did not wear masks). Pure negligence (not covering the hardwood floor) that resulted in new damage to my house
- I fired these subcontractors and I am still waiting on compensation from the first subcontractor that they agreed to pay in April 2022 for the extra damage. I have chased them 3 times on this and they simply say they will contact their "head office" and let me know. TD has done nothing to assist on this other than send an email asking them to update me on the status of the compensation
- Despite assigning a PM and Coordinator to manage the repairs, they have failed to properly coordinate the job and failed to even properly inspect a damaged window opening before approving the replacement window to be installed. They are now blaming the window installer for this but the project coordinator was on site when the Window went in. This lack of planning and foresight has delayed the work by many months.
- Following my complaint to TD, the claims team manager is personally handling the claim. As I said, they have done little to resolve the issues (to my knowledge) other than initially trying to defend the complete lack of customer care and unexplained absence by their own team members and sending the odd email to the subcontractor.
- In the interim, they have gone ahead and increased my premium so I have the privilege of paying, even more, $$ to them while this mess continues at my home.
- I'm in the unenviable position of having to pay TD and cant even switch insurers due to the claim remaining open!

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..?!

Dealing with this company is ridiculous. Pay a bill online, they send a snail mail letter saying it's past due, then you call and they say "we can't help you call this number"... You call that number and they say that it is the wrong department. Insurance is garbage as it is, and this large-scale shop is no different.

Had our hot water tank spring a leak in our furnace room. Destroyed numerous collectables and personal property not to mention damaging walls and flooring. It's been over 2 and a half months and have no idea what's going on or if my claim is close to resolution. I called yesterday and expressed my feelings on the complete lack of communication and the challenges I've had reaching my "claims specialist" and was told I would be contacted the next day by someone. Guess what, no call... I'm getting fed up with this... Not sure what to do from here... Maybe call a lawyer?

Like others I recently had major damage occur during the Ontario storm.

TD has done nothing, calls and emails are not returned. We were assigned an emergency contractor for repairs, but they never called or came.

My roof is torn open and trees are still down at front and back, pool leaking 4K ltrs a day - no one at TD cares.

Transferred to 3 different claims advisors in 16 days.

The takeaway is that when there is an emergency TD is going to do nothing to help you. Shop elsewhere.

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.

Had to contact them for Home insurance. After they promise me something, it end up after 6 months that was a lie and I was asked to pay a cancellation fee or I have to transfer the policy to my new property from another province. The agent passed me back and forth from one agent to another and in the end, they open me another policy without closing the current policy for the property I sold. Very poor communication skills and customer service. I will never use them again. Lucky I had no claim, cause I don't know how they will handle that.

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.