Cooperators Home Insurance Reviews
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Had a break-in up north in the early spring. We had theft coverage but it took three phone calls for someone to actually discover that. When they finally did admit we had theft insurance their excuse for not checking with the other calls was that most clients don't have on cottage property and the customer service agent I spoke to was new. We have never made a claim in 40 plus years but when we tried we were discouraged from making the claim. The reasoning: do we know what it will do to our premiums and how much they will increase and for how long?... We ended up NOT making a claim. After the cottage was sold I wanted to cancel the coverage on it and our home as I did not like the way I was treated. Even that was a problem, cancelling the cottage insurance was easy as we were selling but cancelling the house insurance... I told them the date I wanted it cancelled and the sales rep was trying to convince me to keep it until I had set up the new insurance. When I assured her I would not be without house insurance between her policy and the new one starting she still tried to keep me. It was like she did not trust me with my own insurance needs.
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.
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30 plus years with the company. Had a few bumps in the road. Last 3 years have been amazing at the Whitby ON agency. The agent who took over has provided us with the most amazing service year after year. Always calls back when he says he will. Thoroughly explains everything about our policy renewals, even how the increases were calculated. I honestly know more about insurance since he became our agent. I can’t speak for all the other locations but if you’re in Ontario, you want Chazz Okparanta to be your agent. This young man is the best they got.
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.
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.
Have been with Co-operators for many years and in different provinces and have been very pleased with the service. Had a 3 year review of policy and they have saved me some money. The Dartmouth office staff are excellent and very helpful. Last year had a home claim and could not say enough about the service and assistance. Excellent all around in time of stress. Would recommend to others.
I had a flood in my basement, luckily I could fix it by hitting the sump pump and it started again, so I prevented further damages. I only called insurance because I noticed puddles and I stressed it's under my floorboards. I've been waiting 4 hours for someone to come without even telling them I've fixed it from further damage... My house could be completely flooded right now and I still would have had to wait 4 hours. I have been with this company for 17 years and this is my first claim. So disappointed. NO LOYALTY!
I have my home,car and motorcycle insurance with cooperator for many year now. I when with this company because I'm offered a discount with them through my work. Witch I don't think is much of a discount in my apinion. I had a leak around my chimney and water leaked on to my tv witch I purchased for $1500. I only got to enjoy it for eleven day and by the time I notice the leak it was to late. I decided to make a claim. I figured why not that's why I pay for home insurance. After speaking to them and sending them picture. It didn't take them long to deny my claim I was told this kind of leak is not covered. I was disappointed with them. I've never made a claim before and aways paid on time. Its real amazing to me how insurance company's can do this to hard working people. I will be looking for a different company as soon as my policy is up. I will not be loyal to any of these companies anymore. I will shop around every few years to get the best rates possible.