The Personal Insurance Home Insurance Reviews

After 23 years as our home and car insurance provider, when we were in the midst of moving, they took a partial month payment and cancelled our home insurance. Our credit report says they listed "failure to pay" as the reason, so we took a hit even though it wasn't true. No phone call, nothing. They claim a registered letter went out but we never saw a thing and we live in a secured building. They did send us the renewal though, so we still don't understand what happened. When I called and asked them to do the right thing, the manager said he would investigate and come back in 48 hrs. A week later, still nothing. We cancelled our auto insurance with them because of it. We are astonished. If I had not called with the new address, we would never have known what they did and would have continued to pay home insurance rates to them. Guess they didn't have a problem obtaining payment after all. Incredible that they get to do whatever they want without recourse. Clearly, someone made an error on the wrong account and rather than correct it, they let us go after 2+ decades.

I have been a customer of the Personal Insurance company for almost a decade now. I am a member of the Canadian Armed Forces (CAF), and this insurance company advertises itself to the CAF community that it takes extra care of the CAF members. I had a leak into the basement wall from the storm drain located in the backyard at the basement window. That leak led to the formation of mould on the walls in the basement just under that window. I informed the company upon the discovery on 8 November 2018 by speaking with an adjuster. She informed me that they don't cover mould if the cause of the problem was " a leak from the foundation in the basement". The next day she sent an estimator who took pictures of the mould on the wall and told my wife that the cause of the mould was "a leak from the storm drain by the basement window" (Up until that point we didn't know the cause of the mould). And that mould can form within 24-48 hours. We use the basement as our living room, and before that date, we didn't notice any mould. The estimator delayed his report for a long time due to some family problems according to his supervisor. On the 29 Nov 2018, the adjuster called us back informing us that the Personal Insurance company won't cover the claim because, according to the estimator, the mould has been there for far too long, and that we didn't report it when it initially was formed. There was no official report written on the problem, and the adjustor only looked at the pictures taken of the mould and judged that the mould existed there for a long time.

Did not pay to adjust discounts despite regular email confirmations for savings. They are just collecting data.

Broken water pipe and Insurance claim. Called the Personal regarding a damage to water pipe coming into the basement, stated water was turned off and no water damage. No one contacted back for weeks, the adjuster came out and no further contact. The second adjuster called and was told we already have an adjuster and she became angry and being rude to me. Tried to follow up my claim as water shut off for almost 2 months and winter is coming at the end of October. States no coverage for plumbing damage, just water damage, which I had stated when calling about a claim. No loss of Rental income due to waiting for the claim, or for no water while waiting for the claim to be denied although I have loss of rental insurance but only will claim. Worst company ever. DO NOT EVER USE THIS COMPANY! Will be reporting to the Better Business Bureau. Would give 0 stars if allowed. Have insurance on this house for 30 years, no claims till now.

We were denied home insurance because of the type of dog we own. Absolutely unreal.

I have been attempting to cancel my home policy with The Personal Insurance without success. Upon notification of my annual home policy renewal, I informed The Personal that I was looking for a new insurance provider and would not be providing my credit card details. They informed me that I would need to provide my credit card details if I did not get new insurance. I was able to find new insurance with better coverage at a third the cost. I received a letter noting that if I did not give my payment details by the specified date, my coverage would be cancelled. I was happy to receive this information as I had found coverage. As a result of finding new coverage and receiving this letter, I incorrectly assumed that was all I needed to do. That was my mistake as I now understand that I would need to call them again and tell them that my insurance was cancelled. I was contacted by The Personal and told my insurance had not been cancelled and that I needed to pay. I explained that I had insurance already. They informed me that they required a record of my new insurance but that they would cancel my insurance for the date of the phone call moving forward. Today I received a letter indicating that my insurance has now been cancelled and will end one month from today. As you can see this all becomes confusing but ensures The Personal still gets money from me. The total they are requesting is 1/3 of my new annual insurance cost with my new insurance provider. I am very frustrated with the process that they have in place. I asked to speak with a customer service manager but was told I could not do that until my file was closed. If it was me, I would use any other provider you can find. They are not worth your time or your money.

We saved approx. $500 by switching to the Personal from another carrier, and we are incredibly sorry. Was originally told to contact their preferred contractors to arrange a repair. After unsuccessfully trying to contact them, the Personal decided they would finally help me - a full month after my claim had already been started. The contractors that they use for claims obviously work with other insurance companies, and from my experience and understanding - the Personal is last on their lists. Nobody from the Personal ever follows up on your claim, if you want anything done with them, you have to constantly call them and their preferred contractors. Takes over a full week to be able to speak to a manager. Spend a little more money, and get some good home insurance.

My house was recently damaged by wind storm. I couldn't reach anyone until the 3rd day I called. Then I didn't hear from the adjuster until 2 weeks later when I called. 3 weeks on I'm still waiting for the contractor to come and check on my house (I've been calling the adjuster every 3rd day). Very good customer service when they want your money, not so good when you try to file a claim. I'm changing insurance company after this.