Cooperators Home Insurance Reviews

We were recently transitioned from Coseco to Cooperators and our home and auto went up by an average of 23%. In addition, they saw fit to add water coverage we never had before - initially raising our home coverage cost by 328% - without asking. I asked for a "reduced" water coverage (which is what we previously had) and they simply don't offer it - all or nothing with a BIGGER COMPANY. By acquiring a smaller company they have increased our rates by 23%, reduced product offerings - and wait times to phone their 800 number are triple what they were with Coseco. We have been with Coseco for nearly 20 years - claim-free - and 2 weeks with Cooperators is 2 weeks too long. We'll be switching.

During the Covid-19 lockdown, we were sent a letter stating that our premiums would remain in effect until after the lockdown because of the pandemic. So we assumed that our coverage was extended through the pandemic. We called today to find out that our home insurance was actually cancelled in the middle of the pandemic without us knowing. They asked if we did not receive an email (we didn’t). As we tried to renew our insurance, the customer service representative said it was time to close as it was 5 pm and we would receive the quote on Monday instead. I would have been okay with waiting but the time was actually 4.55 pm. In my case, I would have been alright with her just saying they would find a new quote by Monday but claiming they were closed was almost like saying they don’t care about my insurance needs. I used to be with another insurer and they treated us much better than this. Any insurance company that cannot make their customer feel valued is not one I feel comfortable with.

I renewed my apartment insurance, an agent gave me the price for the year, I paid in full the same day. A month later I get letter says I owe money, I called and they said: "oh, that is a form letter so I don't actually owe that money". Then the agent checks my account and comes back with: "well, you do still owe money as the amount you paid for year was calculated wrong so you actually owe..." I felt this was not my error, and how many other people had this happen to? I spoke with a supervisor she just said: "well, it was a human error"... I said - if I hadn't called I would never have known! She said eventually they would have audited and I would have been notified, I asked: "when do they audit?" She said she couldn't tell me. Will be changing my company next renewal...I would now but can't cancel without $ penalty. So, for this company, they are pleasant when taking your money but not so when the error is theirs. Buyer beware!

Unfortunately, my dad passed away from COVID-19 and he has home insurance with this company. Every other company has been reasonable in helping me cancel policies because he's dead not this one. We did not even want to cancel but to insure under my dad's girlfriend instead so we tried to keep them for home insurance as she is still living in his apartment. They want you to get executorship and have a will and send them endless documents for $30 a month insurance! I was on the phone for hours with them they say they will call you back and they take your number then they ignore you hoping to keep charging a dead man's bank account! It's much easier and cheaper to just get another company never have I met a company have so much resistance to making this difficult situation worse as this one. Very unprofessional staff and won't do anything to help you even after I sent them the death certificate they say they never received it. They should change the company name to the unco-operators as they were the only company without common sense and compassion.

My father's roof started leaking the day after Mom passed away. Cooperators sent 4 guys out to look at it a few days later. He got a call from a lady saying the damage to the roof was covered. Four weeks after, with no calls and no answered calls he paid someone to do his roof because he didn't want further damage done. Finally got hold of someone who told him that now they would have to send out "real roofers" to see if the roof would be covered under insurance. So the 4 guys who were there taking pictures and were going to be the ones doing the roof are not real roofers?! This has been a nightmare for him. He probably won't hear from them again until he gets a lawyer. Stay away from this company!!! Your insurance policy isn't worth the paper it's written on!!!

I've been a customer for 20+ years and had both auto and home insurance with them. I called from my home phone to see what they could do for pricing as I have found better elsewhere. I was on the phone for 3+ hours waiting, took a shot and decided to call from my cell phone got an agent 15 minutes later whilst still waiting on my home phone. They were unable or unwilling to give me better pricing. Therefore I kindly cancelled and then told them about my phone debacle so that they would know. The only answer I got was "maybe because your home phone was in our system". Anyway, better options out there for CHEAPER and with RELIABLE service.

After being with the Cooperators for 30 years, we discovered we could get the same insurance coverage for 1/3 what we were paying them. Thanks for nothing guys.

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.