Cooperators Home Insurance Reviews

After 12 years with Cooperators with 0 claims, I got a renewal policy with a 40% increase on my home policy and a 30% increase in my auto policy. Attempts to negotiate reasonable rates with them did not work and of course, other insurance companies did offer more competitive rates.
Called to cancel 1 day late and they are charging me an obscene termination fee of $510 dollars.
After spending 45 minutes on the phone they couldn't provide me with the information of how the cancellation fee is calculated and it is not stated in the policy document either under the cancellation section so very very shady practice to put it in mild words.
I honestly would have expected a bit more sympathy after 12 years with zero claims.
From my perspective, they really don't care about you as a customer and will rip you off at the smallest chance available.
I cannot imagine what would have happened if I had had a claim.
I would stay away from this company.

We are currently with Cooperators for Home and Auto. We had an auto claim and they were decent to deal with but didn't give us a fair value for our car (which they claim was totaled). Our main gripe is home insurance. We went with them because they were the cheapest when bundling - big mistake! We bought a house a month ago, and we're still dealing with Cooperators demands. First, they tried to get us to do a bunch of complex paperwork because we had a wood-burning fireplace - turns out the agent thought we said stove, and we only needed a WETT inspection (which we had). Now, they want every minor comment from the home inspection fixed within 30 days or they will cancel our policy. Not actual risks mind you, but things the inspector mentioned we could do in the report over several years. Their agent keeps emailing and calling us to check in on our progress and is very condescending. Worst of all, after we've done the work, they don't trust us when we tell them we've done it. If it didn't cost an arm and a leg to switch, we would have by now.

We were recently transitioned from Coseco to Cooperators and our home and auto went up by an average of 23%. In addition, they saw fit to add water coverage we never had before - initially raising our home coverage cost by 328% - without asking. I asked for a "reduced" water coverage (which is what we previously had) and they simply don't offer it - all or nothing with a BIGGER COMPANY. By acquiring a smaller company they have increased our rates by 23%, reduced product offerings - and wait times to phone their 800 number are triple what they were with Coseco. We have been with Coseco for nearly 20 years - claim-free - and 2 weeks with Cooperators is 2 weeks too long. We'll be switching.

I've been a customer for 20+ years and had both auto and home insurance with them. I called from my home phone to see what they could do for pricing as I have found better elsewhere. I was on the phone for 3+ hours waiting, took a shot and decided to call from my cell phone got an agent 15 minutes later whilst still waiting on my home phone. They were unable or unwilling to give me better pricing. Therefore I kindly cancelled and then told them about my phone debacle so that they would know. The only answer I got was "maybe because your home phone was in our system". Anyway, better options out there for CHEAPER and with RELIABLE service.

We had been with them for years eventually with two houses and two cars. Insurance kept going up by 500 each house each year. Yearly renewals stopped being sent by mail, instead, you had to create an account sign up which didn't seem to work. We also got a quote on a second home we bought with 2 weeks left in our yearly term and then two weeks later it was suddenly $450 more than they quoted us two weeks before. Once we realized this was going on, we called to cancel and now have to pay $550 to cancel our insurance and when I asked about why it wasn't more clear that the policies had increased by 25% the lady said it would be bad business to let people know that the policies were going up! So she admitted that they tried to do it without people noticing! We are now paying $3000 less with another company.

I am going through a claim for damages incurred in a rental property. This is the first claim ever after 15+ years of having all my insurance needs done through Cooperators. I am sorry to say that this has been a very poor experience, with an aggressive adjuster making every bit difficult for me. Having been caught to enforce an eviction notice, Cooperators has added to my anxiety and difficulty of dealing with this situation. I will be switching my cars, home and rental properties away from them even if I have to pay more at my renewal.

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.

Scarborough Cooperators - worst experience with a company ever. The original broker was a lovely man. The new broker took over, who does not return calls and ignores clients even when issues are urgent. He does not have any idea what policies I held with his office and actually told me I didn’t have any when there are 2 life insurance policies, medical insurance and a home owner’s policy in addition to there being a renter’s policy - at least there was supposed to be one. He actually cancelled my renter’s insurance without any notification and I didn’t find out until 10 months later when I contacted him about a claim. This despite the fact that his office was also covering a vacant home insurance policy and they had been in communication with me more than a dozen times about it and were aware the house was still undergoing repairs/renovations. Initially, he said he would take care of the problem as I had never cancelled the policy myself - but then he never responded and would not return phone calls. Absolutely horrible experience during a very stressful time. Do not go with this broker.

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.