Cooperators Home Insurance Reviews

Very bad experience. Been a loyal customer for more than 10 years. Without getting correct information they just increase the rates on assumptions about additional drivers. It always depends whom you reach over the phone, some brokers are extremely good and some nasty and very rude. I cancelled my policy with them and went with a one with better service and understanding. They don't have a system to make complaints.

After being a loyal Co-Operators customer for 29 years with ZERO claims on my automobiles, our home and our cottage, I had the misfortune of some rainwater entering a window and damaging the walls, etc.
When I called to make a claim, I was sent from person to person, with the end person on holidays! It took nearly 4 days to make a claim and then I had to email pictures of the damage. Within 5 minutes I had an email back indicating they were not covering the damage. WOW! I always felt I was covered for everything, at least that is what my agent said....They never came to inspect the home and following nearly $8000 per year in premiums this is the level of service and loyalty I should expect? Be very careful of this company, their commitment to customers is poor and you will be left leaving their office with false hopes and they will stick it to you when you need them.

We had ZERO claims in over 15 years on our home but they kept phoning saying that they were providing a new service of coming in and inspecting our home to see if we were getting the best coverage. We were harassed repeatedly through phone calls and letters in the mail about setting up this new mandatory inspection to the point that we just cancelled our policy. It was just a cash grab to increase our policy. So now rather than squeezing more money out of us, they get none! Now we're with TD insurance and couldn't be happier!

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!

I'm renting my building out so I was able to get flood insurance as a business. After the recent Calgary flood that caused major damage a cooperators adjuster came unannounced while I was out and when I came back started telling me how old everything was and that it's hardly worth anything. He could depreciate everything by 75% etc. but won't do it and only depreciate 50%. Now, I clearly did not buy the policy to have only 25% of the building covered. Those are bully tactics and they are clearly not acting in good faith or are instructed to do so.

Do not look to purchase insurance with this company for home or condo. The company provides an extensive list of max insurable limits in the quote, making it look like you have comprehensive coverage. When you actually look at the policy after receiving it if you're alert or worse after an incident, then you'll soon find the list of common exemptions is a mile long and covers nearly every possible instance in which you'd ever use the insurance you pay for. The adjuster I dealt with was rude and unprofessional. They were unable to cite a line in the policy for me to review it, and repeatedly called me the wrong name even after correction. If you want to waste 6–7 hours going back and forth over insurance policy and builders reports only for them to not provide their own documents, be my guest.

As a homeowner who had the misfortune of living next to someone insured by Cooperators Insurance, I find myself compelled to share the appalling experience I've endured. Demolition and renovations at my neighbor's property, resulted in significant damage to my home. Despite my neighbour being insured by Cooperators, the process of seeking compensation for the damages has been nothing short of a nightmare.

From the moment my neighbour filed a claim with Cooperators Insurance, I expected them to step up and fulfill their obligations as my neighbour's insurer. However, what followed was a relentless onslaught of denial, delay tactics, and outright refusal to take responsibility. It's become painfully clear that Cooperators has no qualms about abandoning innocent victims like myself in favour of protecting their bottom line.

What's even more egregious are the tactics employed by Cooperators Insurance in their attempts to avoid paying out claims. It's a shameful display of corporate greed and a complete disregard for the wellbeing of their policyholders' neighbours.

Throughout this ordeal, I've been treated with callous indifference by Cooperators Insurance. Instead of providing the support and assistance I need, they've chosen to prioritize their own interests, leaving me to bear the financial burden of someone else's renovations and negligence.

My experience with Cooperators Insurance has been nothing short of a nightmare, and I implore anyone considering them for their insurance needs to think twice. Avoid Cooperators Insurance if you value integrity, fairness, and genuine support in times of need.

I was with HB Group Insurance for my home insurance before it was taken over by The Cooperator’s. I had home and condo insurance with this company for over 20 years. In the past year, I had frequent contact with the Cooperator’s while I sold my condo, moved into an apartment briefly, continuing to store my belongings, and then finally bought a house. For the first 6 months the reps were great (helpful, understanding, and “cooperative” 😊 ). I don’t know what happened but after that, I was treated very rudely on about six occasions by 4 or 5 different reps in the latter months of 2023 (Aug-Dec). I have never been so happy to switch to another service company. I cancelled my account with Cooperator’s Dec 31, 2023 due to poor customer service. I’m glad to see in these reviews that I am not the only customer treated poorly by this company. Is it now a corporate culture? I suggest to the Cooperator’s, please re-train your employees in professional “customer service” workshops and add some kindness and compassion to your corporate culture. It will go a long way for improving your sales. I won’t go into all the details of my recent experiences, but my experience of poor customer service includes: my boundaries regarding timing for a phone call not respected; I was not heard regarding my request to be emailed with follow-up communication versus being phoned while I was in a meeting; I was upset as a result of my boundaries not being respected and then my words on the phone were read into and taken out of context, and repeated back to me several times; I was referred to a “customer advocate” who I think was really another sales person, but I ended up in tears because of the way I was treated. Overall, I felt like I was being accused and ridiculed on more than one occasion. I don’t think trying to buy house insurance should be such a harrowing experience. I was unable to place a “google review” via the Cooperator’s website. Thank you for providing a place to provide a review. I wonder if Cooperator’s reads these reviews.

Upon receiving renewal policy for this year I see over a 25% increase . So over 35%in the last 3 years.

Claims free and a client for 20 plus years. My insurance should be decreasing by rights.

On contacting them I was informed that it was due to inflation... 35% in three years....

Pure and simple GREED.

Just a disgusting company.

DO NOT USE THEM!!!!

I called and ask if I could get a quote as my insurance was going up.
The lady that answered was so rude.
Ask what I was insuring I said I had 2 vechicle. She then proceeded to ask why I had 2 vechicle. Hmm. Then I said I also had my house. She ask all the questions and I answered. One of the questions was did I have a pool. I am an old woman and sometimes don't hear well. I said pardon I didn't catch that. She then yells A POOL A POOL A POOL. Ok I heard the first time you yelled. Said she would call back the next day with a quote as they were so busy. Well here we are 2 weeks later and still no call.
I will stay with the company I am with now maybe more money but never been treated like this.