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 At that time because we both owned the home, my name was placed on the policy but the funds were withdrawn from her TD account.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.