Cooperators Home Insurance Reviews

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.

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.

Please do your homework before signing the contract. Carefully. Buyer beware. Look at all your options prior to purchasing

Dealing with this company has become the absolute worst experience of our lives. They have stonewalled my parents on a home insurance claim for over a year now. And now, the damage to the home has gotten so bad that an engineer, we had to hire, because co-operators refused to do so, has determined the home is too dangerous to live in. And co-operators is even refusing to pay for my 88 and 86 year-old parents to relocate. They are being forced to re-locate without even knowing how long they have to relocate and at great expense, while trying to cope with the fact their insurance company has totally abandoned them, their home is cracking apart, and their health is failing. The lack of empathy or care from cooperators is exponentially unforgivable. Save yourselves from this kind of horrific treatment. Do not purchase any insurance product from this company!

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?

Instead of being there for me and providing insurance after a storm, they denied any coverage and threatened to cancel my insurance afterwards. I had a legitimate claim that should have been covered. It was bad enough they denied me, then they had the audacity to tell me if it wasn't fixed within a month, my insurance would be cancelled. I've been fighting with 5 different contractors to get this fixed and resolve and they will not empathize with my situation. Even though they know the process takes more than a month, they will continue to push you out the door. Do not sign up with these guys, they do anything but cooperate with you. Just another insurance company out to take advantage of you and care less when you need it the most.

first of all i had my home insured as vacant for about a year. I was repetedly harrased by their staff over the phone and email, I was told me that they can cancel my policy because it was a high risk.
Later when i changed my policy and moved in to my place shortly i had major flood. Without any investigation i was told I'm not cover because i didn't have alot of things in my apartment according to the plumbing company that came over.
In conclusion i had to hire a lawer and spend tons of money and repair the place myself. Eventhough i ended up winning in courts it took almost two and half years to get any money back.

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.

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

Being a disabled mute really don't know where to turn my insurer paid for hail damage to the sliding , gutters and down pouts that the hail hammered. I had two hail damage Haag certified inspectors say there is hail damage to roof but yet the guy refusing my claim is only a 5 min drive away, less than 3 miles, who has never even came to inspect my roof is refusing my claim. I feel as i'm being victimized by Co-operators insurance, i got another Haag certified hail inspector coming by tomorrow. As of yet my insurer have refused to meet with any of the hail damage certified contractors I really do believe this Mr Unger character should meet with Jon S. since its only a 5 min drive. Mr Unger appears to be playing God just for the sake of making my life hell and forcing me to shell out nearly 10 thousand dollars out of pocket for damages that 2 inspectors that are hail damage certified have clearly stated. My contractor has offered to meet with Mr Unger, the other one rather not get involved since he worked closely with Co-operators in the past. However I got another coming tomorrow as I stated Mr Unger has not even viewed. I met him afternoon and he appears to think he can pick and chose what qualifies for repair. May I also note I have been a Co-operators insurance customer for nearly 40 years and that several homes on my street have had their roofs covered by insurance ... We will see if Mr Unger agrees to meet with my contractor which, I think, is within reason.. Perhaps, a news story about how the disabled are victimized over and over by the insurance industry is long overdue... I will keep you all updated of this process.. You would think the honorable time for Co-operators would be to at least have their adjuster meet with my contractor on site would you think so.. but, no, he rather sit 3 miles and denied my claim rather than take time to travel the whole 5 mins to inspect the damage his self with my contractor... Regards, William Berry