The Personal Insurance Home Insurance Reviews

I own my house for more than 25 years. Never had a claim. Without putting too much information here, I've made my first claim a few weeks ago. At this point, the adjuster (very polite) is trying to find loopholes on how to reject the claim. The amount claimed is really small, a few thousands of dollars when my deduction is fairly high. Almost not even worth doing it. It seems that they put all their resources on how to reject my claim. I pay over 6k a year on my home/car/bike just to find out that I'm not insured. I will move on to a reputable company. YES - their policy is a bit cheaper but at the end... are you really insured?

We used them for our last house, claims took forever to resolve, we broke down and just gave up on some things. I had to threaten to take legal action to have some necessary repairs done after a break and enter. Their hours are in the east of Canada so if you are in the west they close by 1:00 pm. I would not recommend to anyone I know.

Recently got a series of insurance quotes and found out I was paying $220 more per year for insurance with these people, the Personal, than I would be with any virtually any other companies. I cancelled the policy I had with them and they charged $60 to cancel - they don't mention this anywhere...These people are a rip-off and have about 4 people working in their call center in Nigeria, so you will be waiting for about 30-40 minutes on the phone on hold. Based on this kind of business practice, I'm happy to get out and cancel before something happens were I would regret it far more.

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.