AMA Home Insurance Reviews

Advisor tried to charge me an extra $217 after I already paid the yearly premium. Appears they are running a money scam.
I have been a AMA member for 45 years and this is the reward.

Not sure what I was paying for. When the wildfire came and had to evacuate, AMA assured me all my expenses would be covered and to save all my receipts. I was displaced for over a month! Now they're telling me there's a $5000 limit to my expenses. You guys are useless.

We have a more than 20 yrs claim free history with AMA. Last month, there was a leak in our basement and we opened a claim. An adjuster came with a contractor, but we haven't received an estimate yet, so we haven't even decided if we will claim anything. What we received, was a call that our insurance is going up by 25% because we may claim something in the future! It's basically a blackmail. They are very happy to collect the premiums but they are definitely not willing to pay out. I would not recommend this insurance company. Even though they are claiming that this is normal practice in the insurance industry, I don't think it's ethical. We were told that our premium will go back down if we close the claim.

2014 - 1200CAD for house insurance
2015 - 1500CAD for house insurance
2016- 1800CAD for house insurance
2017 - 1916CAD proposal for house insurance in the mailbox today.

Called to cancel all my policies today (Nov 2016) after a talk to a representative. Seems like they lure you in at a reasonable price and then increase the policy year after year by 20-30%. Although the lady blamed it on natural events causing them to paying out more (needles to say that got me even more angry, never made any claims, never gotten any insurance money paid out by them, so it would be hard for them to blame it on me as a bad customer).

Also I'm a mortgage free customer and bought my house for 480 000 CAD. Go figure... I'm leaving with rates like that...