Independent Home Insurance Reviews

Cooperators Home Insurance Reviews

(33 reviews)
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Category: Coverage, Conditions
(2.3 out of 5 stars)
Customer Service:
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Claim Experience:

Gouged us

(1.0 out of 5 stars)
by Patsreviews Feb 25, 2020
...After being with the Cooperators for 30 years, we discovered we could get the same insurance coverage for 1/3 what we were paying them. Thanks for nothing guys...
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Premiums doubled

(1.0 out of 5 stars)
by MG Jun 20, 2019
...After 25 years using Co-Operators as our home insurer, our premiums doubled because they decided to add mandatory coverage that we did not need. When we called to ask why and indicated that we were thinking of cancelling, we were not told that we would be charged a cancellation premium if we didn't cancel by a certain date. It took about 4 phone calls, always with different people, to finally get a complete explanation for why we were being charged a penalty to cancel. I expect better service after 25 claims free years. We've moved on to a new insurer that does not lump all home owners into the same risk category, even when it is not appropriate...
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I don’t recommend Cooperators

(1.0 out of 5 stars)
by Jeff c Jun 02, 2019
...We had a basement flood caused by a blocked drain in our walkout. Cooperators sent their contracted investigator out. He assured us the damage would be covered. Talked to someone near Ottawa who denied our claim and became rude and argumentative when I questioned him on his decision. Extremely poor customer service. It took him almost 4 days to deny our claim. If I hadn’t done the tear out of all my carpet, under padding, trim and 1 ft of drywall myself it would have sat their collecting mould for those 4 days. After being denied I found out it still counts as a claim because I notified them and they sent out an investigator to do a report. So frustrating. Cooperators is awful...
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Very very high premiums

(1.5 out of 5 stars)
by Gordon C May 30, 2019
...Very very high premium with very minimal coverage. The cost went from $1350.00 in 2018 to $2020.00 in 2019 with no claims, I dropped them, and they had no problem with that, I was with them for 46 years. I had to fight with them every year over the last 5 years, enough is enough...
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Terrible coverage

(1.0 out of 5 stars)
by balog May 21, 2019
...Very pleasant folks, but I was very disappointed with the coverage. (or lack of) on water damage in my basement. The entire policy is rigged in their favour with a lot of covering disclaimers so that they don't have to pay. I have been a loyal customer with Aaron Cronk in Oakville for many years but will not be dealing with them again...
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high rates, low coverage

(1.0 out of 5 stars)
by Unhappy Feb 12, 2019
...Horrible, overpriced, less coverage, no responsibility to clients and they have zero accountability. According to the women I talked to at Co-operators head office, she is the only one you can speak to, I caught her in numerous lies and she was rude...
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