Security National Insurance (TD) Home Insurance Reviews

In 2015 my common-law partner and I purchased our first new home, she purchased home insurance through TD because she already had TD auto coverage and because she had the two policies, she was given a reduced rate for coverage. At that time because we both owned the home, my name was placed on the policy but the funds were withdrawn from her TD account. On January 10th, 2018 she passed away suddenly and while dealing with her affairs I decided to cancel the renewal on the home policy as well as her auto policy. The home policy was paid on an annual basis and there was still another 4 months in which the policy was already paid for. When I called in January, I was told that because she was the principal policyholder I was not allowed to cancel the policy even though I am now the sole owner of the residence covered. The only way they would allow me to cancel the policy was if I provided them with documentation proving that I was the executor of her estate. My common-law partner was only 35 and did not have a will. I cannot afford a lawyer to begin the process of obtaining this documentation. I was told that because I cancelled her bank account that they would not be able to withdraw funds anyhow, so the policy would be cancelled regardless, this was their solution to the issue. I allowed the policy to lapse, however, they continued to bill the account for another 3 months after the 1-year agreement was up, which resulted in charges of 263.00$. I just paid the 263.00$ at TD with the added indignity of being charged a dollar service fee to pay the bill.

Small claim for water damage from leaking valve in 2011: quick response on clean-up but so slow on proposed repair schedule that I took the cash and fixed it with my own contractors.
2014 Renewal after Calgary flood: 15% increase in premium and reduction in coverage from water damage to $15k so switched to Aviva and saved 30% overall plus water damage is covered to the full house value. House is far away and high above the river flood plain - customer service rep said that premiums are adjusted by postal code. I suggested they should check a map first. I had been with them for 30 years. Silly me for not shopping around sooner. I hope Aviva behaves well.