Cooperators Home Insurance Reviews
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The experience was straight forward. However, The Cooperators, like quite a few insurance companies, gives you few coverage options. It's very like one-size-fits-all.
I'm renting my building out so I was able to get flood insurance as a business. After the recent Calgary flood that caused major damage a cooperators adjuster came unannounced while I was out and when I came back started telling me how old everything was and that it's hardly worth anything. He could depreciate everything by 75% etc. but won't do it and only depreciate 50%. Now, I clearly did not buy the policy to have only 25% of the building covered. Those are bully tactics and they are clearly not acting in good faith or are instructed to do so.
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I have Content and Liability insurance + Sewage coverage for my condominium. I've never claimed. The coverage is good enough for me, and is probably more coverage than I need. Getting a quote was easy, and combining it with my Auto Insurance worked out really well too. The Customer Service Reps on the phone were all friendly and helpful. I cannot complain at all.
Tried getting a quote and was told we can only do so over the phone--no emails whatsoever (I work nights, and this is pretty much impossible to do during regular business hours). After 3 weeks of going back and forth with information, I was told that the "insurance records" showed that my husband and I did not have any current insurance on our apartment or car, and that I had apparently only been insured under my vehicle from 2006-2008....I told him that is impossible as we have been paying insurance on both vehicle/apartment for 3 years, and that I have been insured and paying car insurance every month for over 14 years. After speaking with our current insurance company, we were told we are intact insured, and have been in the past.
A representative insisted it was not a problem on his end, and that the records don't lie. Kind of odd since i have banking statements for years showing Insurance payments coming out of our bank accounts.
This company tries to rip you off for sure!