Cooperators Home Insurance Reviews

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.

After 25 years using Co-Operators as our home insurer, our premiums doubled because they decided to add mandatory coverage that we did not need. When we called to ask why and indicated that we were thinking of cancelling, we were not told that we would be charged a cancellation premium if we didn't cancel by a certain date. It took about 4 phone calls, always with different people, to finally get a complete explanation for why we were being charged a penalty to cancel. I expect better service after 25 claims free years. We've moved on to a new insurer that does not lump all home owners into the same risk category, even when it is not appropriate.

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.

This branch of Co-operators is horrible. They do not return phone calls - even when urgent (despite the fact that their answering machines say they will get back to you by the end of the business day) - they do not communicate effectively. In fact, they did not answer when they were expecting my call until I blocked my number! When I did call, they said my agent was not in that day and yet I could hear his voice in the background!!! They cancel policies without warning (they claim to have sent a registered letter but when I asked them to show that it had been delivered they could not). Just to put this review into perspective, I decided to go with Co-operators because my sister-in-law's father was the president of the company at the time, so I was a loyal customer for over 20 years. I was absolutely shocked at the way I was treated/ignored. I am a professional in an advanced area that understands customer service. The lack of compassion and empathy displayed by everyone at this office was disgusting!

STAY FAR AWAY FROM CO-OPERATORS INSURANCE! We paid our insurance to Co-operators for at least 10 years, they were happy to take our money. When inquired into fixing our deck that was damaged by weather they sent us a notice that our insurance will be cancelled in 15 days. Why are we paying for insurance if a company can give us the boot come claim time? Their reasoning, we phoned twice asking for coverage which means the condition of our premises is a risk. The house is in perfect condition and it's a DECK! How can the number of phone calls we make to them determine the condition of our home?! What we paid them FAR EXCEEDS the cost of replacing a deck. Save yourself the heartache and money....go with another provider!

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.