The Personal Insurance Home Insurance Reviews

I’ve been with (The Personal Insurance) for the last 12 years (not a single claim- they were just happy collecting my money) and I needed help with my claim for the first time after the last hail storm, and was very shocked by the way they take advantage of their customers, it is not far fetched to call them crooks and thieves. Not recommended at all.
Seriously
Avoid their business at any cost.

Please don't select "The Personal insurance" for your needs & any cost. Very bad experience in my lifetime. They give you a top stress level when you need them. The adjusters are very hunting, for the damages or constructions, they will recommend using their contractors If you don't use them, adjust will cut down the settlement unreasonable. If you use the contractor he recommends, he will make double payment. Because they are getting the commission from them.
Also, the adjuster will recommend you and your family to live in the same house while full house construction happens.

Still no call from an adjuster. Cannot live in my apartment. They are nice and caring when they sell the plan but when it the time to claim they don’t know you.

Just called their customer relations department. Waste of time. No empathy whatsoever!

Extremely long wait times to talk to anyone about issues with the insurance. Had knob and tube in the house when applied for insurance. They said was fine, finish the work within a month or two. Work completed, but then they required a letter by the electrician and not the city permit inspection. NOT INFORMED UPON INITIAL AGREEMENT. This insurance company not for the people. They threatened to cancel my policy without it, ultimately had to cancel it myself since they lied. The price was good, coverage decent. Never had to make a claim. Would recommend if you have a fine house and never need to talk to them. But any issues? Be careful.

I had a very negative experience with Personal Insurance recently when I had to make a basement water damage claim. First of all, there was over almost two hours wait when I had to phone them. Secondly, their adjuster was ill-mannered, difficult and very slow in finalizing the claim. I will be switching to another company soon! Not recommended at all.

Unacceptable in all facets of claim! Repair work done twice. Sloppy packing broke many items

I have been trying to finish a home insurance quote for a new home purchase for 3 weeks now. They refused to talk to my realtor, which would have made this so much easier because the realtor has all the information they require, and they were quite sassy about it as well. Instead, they have made me wait on hold for over an hour each time I try to call in before I speak to anyone. They did not tell me all of the follow-up questions that would be required when I first went back to my realtor with some of the gaps in my knowledge so I had to call back on two separate occasions to finish this quote. I even tried to request a callback on their website, for three or four different dates and they only called once and I missed their call. It is so frustrating trying to get a hold of these people. The ONLY reason I am with them is because of a discount that I receive through being a member of a professional body.

I missed one automated payment that I was unaware of and received a letter telling me they had cancelled my insurance and then proceeded to take yet another payment from me. Customer service was horrendous - I was yelled at, put on hold for 20 minutes, hung up on, called back yelled at again by a different representative - put on hold and then hung up on again. They told me I moved? Same home for over 18 years now! After paying them over $40000 over the years and being a loyal customer this is what I get? I would NOT recommend or trust them if you ever need to make a claim.

Do not waste your time here. If I could select zero stars I would. This company would not insure my home because of the breed of dog I own. The province I live in has zero laws about this breed of dog but somehow the Personal has a problem with it. BUT don’t worry, they will insure my dog... just as long as I don’t get any home insurance through them otherwise he can’t be at my address. So barbaric. So dated. So prejudice. A dog is as good as the owners raise it. Point blank. This company needs help. And when I called to inquire about the specifics of this rule the employee asked me to repeat myself about 13 times and by then I asked to be transferred to a manager, which I never got to because “she wasn’t available”. Don’t do it.

Impossible to contact and get help. Took me almost a month to get help for a flood the first time denied claim said they didn’t but approved the same claim later? When had concerns about anything you’ll never get past the contracted adjuster as they seem to be the gatekeepers of the company. They shared non-essential personal information with other agencies and anything they provide will be done from an office 1000s away by contracted companies whom if you have any problems with will be your problems, not the Personal's or any of their partners in profit. Run now or cancel your policies while you can