Independent Home Insurance Reviews

Cooperators Home Insurance Reviews

(19 reviews)
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Category: Insurance Rates, Prices
(2.3 out of 5 stars)
Customer Service:
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Claim Experience:

Claim Paid Out in 3 weeks

(5.0 out of 5 stars)
by EdmNic Jul 31, 2019
...I switched to Co-operators and 3 months later our cars and house were broken into. We had an adjuster within 48 hours and were paid out our claim for everything withing 3 weeks - depending on how fast I got the information back. The process was easy fast, and because of the claims forgiveness, our rates didn't go up. Super happy with the service and claim experience...
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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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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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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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(1.0 out of 5 stars)
by Niagara Aug 24, 2018
...Had Co-Operators insurance for my house and 2 vehicles. Then the agent went out of business and left me scrambling to get the house and car insurance. My work started advertising that they could get us a group discount on Co-Operators insurance, I decided to give them a try again. The first year their price was fair for a house and the 2 vehicles. But that was short-lived following a year it increased. No claims on any vehicles or house and no bounce payments. Then called to ask for a price on tenant insurance. Reason wanted to move out first and renovate the house. Never moved out of house nor renovated. Co-Operator without calling instead sent a registered letter stating my house insurance has been cancelled. But my vehicles are still insured. Called another insurance company, got a better price, better customer service and no issues. Called to cancel my vehicle insurance and they had the nerve to hold back some money as I cancelled. Said that's funny you cancelled my house insurance all because I phoned up to get a price on tenant insurance. Horrible insurance company...
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Cooperators is very expensive

(1.0 out of 5 stars)
by Jethro C May 24, 2018
...I recently got quotes May 2018, from 4 insurance firms for a home in Edmonton. Each was in the 800.00 range but Cooperators was 1725.00, I insisted that the quote must have been calculated wrong by agent but she insisted that this was the rates they charge and that most of the Cooperators clients pay in the range quoted. This means anyone dealing with Cooperators is being ripped off. Avoid them and if currently with them, get other quotes, you will save a lot...
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Home insurance

(1.5 out of 5 stars)
by Fort mac May 13, 2018
...Had a claim for smoke and appliance damage in the Fort McMurray fire and they said my insurance wouldn't go up much but it nearly doubled from 3000 to 5700, what a joke of a company...
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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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