Security National Insurance (TD) Home Insurance Reviews

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.