Cooperators Home Insurance Reviews

I am currently shopping for new home insurance because based on quotes I am getting, the Co-operators are charging me over $600 more per year for the same coverage with another company.

I called to inquire 3x times now about home insurance quote. Customer service was garbage, was not provided with a quote at all...insurance itself is a scam...

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!

Went in to get a quote on a house I inherited. It was previously insured by this company for 40 years and has a current policy. Wanted to get a quote to change insurance to my name... sales rep refused to give me a quote. She said I was not going to be living there... WHO IS SHE TO TELL ME WHERE I WILL BE LIVING ...WHAT DOES SHE KNOW THAT I DON'T?

I was away for four months and I had the impression that my home insurance was to be renewed in February, but I was wrong. I got this renewal letter that threatens to contact my bank (where I had my mortgage)!!! WTF????

Anyhow, I went to the Cooperators' new office at Station Square (Burnaby) and this Asian guy couldn't speak English. I was supposed to guess what he was saying! I am Chinese, but I expect the insurance person to be proficient in English, somewhat.

Then the guy said in broken English, asking for my banking info. I refused to give it, as I would use my credit card to pay for the insurance charge. He said he couldn't proceed with the application - I WALKED AWAY.

Well, after I did my errands, I got home and looked around for another insurance company. Square One has a good reputation - in comparison to reviews for RBC, Canadian Direct AND Cooperators.

And the online home insurance application was so much easier!!! It asks for relevant insurance questions and provides me with the various option - for all relevant coverages.

Also, for what I had covered with Cooperators, Square One charges me at least $100 cheaper!

Perhaps I should thank the annoying, rude, slow speaking Asian guy at Cooperators - so I could get on with Square One.

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!

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 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.