TD Insurance Home Insurance Reviews

I've been using TD home insurance for 5 years. I mistakenly paid 37 dollars, too little, I pay once a year. Instead of contacting me, they blocked my account. I didn't mind paying a higher price because they were easy. I will not be renewing!!!

I was a long-term customer and got a water leak on my natural gas tank. Originally, they said they will pay. Then they refuse, mentioning that no insurance company will pay for a slow leak. I switch companies and the new one is paying for this type of damage. I lost $5000 in repairs and also 800x7years of payment with them. Please make sure you read all reviews before going with them.

I have been trying to get a deceased person removed from my policy since Nov 2021 with no success they refused to cancel my policy tell I provide them with a copy of the deceased will as a death certificate is not good enough for them. they are also requesting that I provide them with the deed to my property as the transfer of property is not good enough. I have sent them the request over and over again in the past week and have gotten no response from them when I call to see if this info has been added to my file I get told no and to resend the info again I have emailed at least 10 times now with the same info. I have gotten attitude from the people on the phone. I don't understand why these people can not provide their own company email so things can be added ASAP when a customer needs things done right away. I have been with this company for a few years and I will be cancelling my policy with them as soon as they receive the info they say I have to keep sending. I was told if I don't provide this info that I will be charged monthly still and that if I don't pay then I get non-payment that goes against me to get insurance elsewhere. I don't recommend this company to anyone if possible avoid using this insurance company. TD INSURANCE IS THE WORST COMPANY TO DEAL WITH!

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.