Independent Home Insurance Reviews

Cooperators Home Insurance Reviews

(17 reviews)
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Category: Billing, Payments
(2.4 out of 5 stars)
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Worst Insurance CO-OPERATORS

(1.0 out of 5 stars)
by Client from Ottawa Dec 06, 2018
...We were customers of Co-operators for over 10 yrs. Recently, we cancelled our home and auto insurance with them. Even though they sent an email that they cancelled the policy, they kept on automatic deduction from our account. When we try to deal with it, the people there were very rude and would not admit that they have made a mistake. The Insurance Agent hung up the call when I tried to explain the error. They are nasty and just a bunch of thieves. Please think twice before dealing with the CO-OPERATORS. Don't waste your hard-earned money...
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Worst experience hands down!

(2.0 out of 5 stars)
by Grumpy Mar 01, 2018
...The local office in Clarenville NL is just plain incompetent! I have reached out the office for over a month now to renew home insurance that was due on February 15, 2018. Now it's March 1st and they still haven't got their act together. Just today received registered mail stating my policy would be cancelled in 15 days. I have already made the first monthly payment but somehow they seem to have misplaced it... Trying to reach anyone at the Clarenville office is near impossible and when you do, they never have any answers... keep putting you off. I am at my wit's end. Never again will I get insurance with the Cooperators!...
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Robbed then dumped..

(1.0 out of 5 stars)
by Shocked Feb 06, 2018
...STAY FAR AWAY FROM CO-OPERATORS INSURANCE! We paid our insurance to Co-operators for at least 10 years, they were happy to take our money. When inquired into fixing our deck that was damaged by weather they sent us a notice that our insurance will be cancelled in 15 days. Why are we paying for insurance if a company can give us the boot come claim time? Their reasoning, we phoned twice asking for coverage which means the condition of our premises is a risk. The house is in perfect condition and it's a DECK! How can the number of phone calls we make to them determine the condition of our home?! What we paid them FAR EXCEEDS the cost of replacing a deck. Save yourself the heartache and money....go with another provider!...
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Poor customer service

(1.0 out of 5 stars)
by yacuchaj Nov 07, 2017
...I spoke with them over the phone to cancel our insurance, 2 months later they send us a letter saying we owe them a $50 cancellation fee, saying my phone conversation with one of their reps, wasn't on file. Definitely would not recommend going with them, there are better rates out there with other insurance companies who won't gouge you when you cancel your plan...
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Cooperators = Crooks

(1.0 out of 5 stars)
by Robert J. Sep 20, 2017
...I insured my home with Cooperators for 13 years because I had my auto insurance with them. Twice I had damage to my home that was caused by extreme weather, it should have been covered by my policy, but both times an adjuster was sent, my premises evaluated and photographed and then my claims denied. I then had to pay out of pocket for serious repairs, not knowing where to go I asked the Cooperators adjuster for a recommendation. I contacted the recommended contractor and ended up with poor workmanship, unresolved problem and a large bill. If you enjoy paying inflated rates and receiving no claims support, this is the company for you! Just be aware that when you find a better price elsewhere that gives better coverage, Cooperators will penalize you heavily financially for leaving anytime that is not in your renewal month. I recommend you go anywhere else...
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Huge Rate Increases!

(2.0 out of 5 stars)
by Nick Aug 01, 2017
...After only 1 year of being with Cooperators, they increased my premium by 15%! Did my home increase in value? No. Did I add features or reduce my deductible? No. I did lose my 5% "new signing discount" so that leaves 10% less. After calling Cooperators they claim it's because of "all these new features that you're getting." More likely, it's because you brought me in at a low rate and will continue to increase my annual premium by 10%. Could you imagine if public insurance/utilities did this?
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No customer service

(1.0 out of 5 stars)
by Burned Jan 10, 2017
...My house burned down a year ago. Have a clear cause that is not my fault and has been confirmed by the fire department, an electrician and insurance adjuster. Cannot get the cooperators to answer phone calls or return messages. The fire was a total loss. We could salvage nothing. Haven't received a single penny nor any form of communication. I will never use them again and will urge anyone else to rethink using them as well. If I could give them zero stars for a review I would...
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Awful service, just atrocious

(1.0 out of 5 stars)
by makeintosh Dec 27, 2016
...We had all our home and auto insurance with the co-operators for 35 years and have never had a claim on our home policy. We paid them $1,750 each year as premiums. Recently, a seal in our dishwasher ("water container") failed and caused a flood in our condo. Fortunately, I was able to contain the damage to hardwood flooring in an adjacent room and one sink cabinet. Total damage under $3,000 but they denied the claim. This was the first time, we needed this insurance company but they ran away - said it was a "slow leak" and therefore not covered. Too bad so sad. This was based on findings of mould under the cabinets. On investigation as we did the repairs, the "mould" was stains that are more than 15 years old, dating back to a water leak the previous owner had in the kitchen. I wasn't even sure that for the small cost of the repairs that I would even file a claim. However, correspondence from the adjuster on this claim bordered on rude and threatening if we considered pursuing this. Even if they believed there was an old leak, one would have thought they might have the common sense to consider the discretion of covering it anyway, given the small cost and the fact that the cause of "mould" could be uncertain. But common sense and discretion are absent with this company. Even a bit of politeness in correspondence might have gone a long way to retaining business. With this experience, I can never trust this company ever to be present if needed and have move all my business to another company. For the cost of less than 2 years of premiums, the co-operators has lost my business forever...
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Greedy Company

(1.0 out of 5 stars)
by PIT Nov 16, 2016
...Payment approved but on the desk on a person on sick leave. They have not kept my standard of living but systematically break me down every chance they get. Tragic situation made 100x worse by insurance company... These companies and the people they work for have no compation no morals just evil compay mandates to uphold SHAME ON THE ENTIRE INDUSRTY!!!!! T...
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