Cooperators Home Insurance Reviews

Is there anyone else out there feeling insulted by the so called home inspection requirement every five years of insurance with this provider?
Tas far as I am concerned this is an invasion of privacy. There is no other insurance provider out there that does this. This is BS as far as I am concerned.

I agreed to pay $29.50 for home insurance. Over the last 6 months, the company has withdrawn over $675 from my bank account and refuses to return my money. Don't use this company. They sneak in fees and services. They're crooks.

My wife and I had a flood in our condo and we have the Cooperators home insurance. Our agent, Tia H. was no help. Other than basically telling us the amount of our coverage, she did nothing. We were left to find our own temporary accommodation for 4 months. We asked if she could coordinate with the apartment complex to and tell us how long we could stay before our coverage ran out, and she refused, again just quoting us the amount of our coverage. We found them slow to respond or entirely unresponsive. We spent $6700 on upgrades to our flooring two years ago and she quoted us $4500 for replacement. Still battling with them. Terrible company, terrible customer service. Will never use them again.

Agent from Co operators came to pre inspect my newly purchased house in Trenton, it had been renovated top to bottom, he was amazed at the fact that everything was new and immediately they asked for more
money to up the value, I was from another province and alone, sent the
extra money in and moved in, 2 weeks later had a giant flood, it seems a large hole was patched in the floor when a beam was removed from the renovation and covered with carpet, agent never came until 5 days later and severe damage was done, I was on my own and had to throw 1250 square feet of new carpet out, lost fireplace, shower and all rooms were with water damage, after I nearly had a stroke cleaning up the agent came and said its not covered and left. No warm and fuzzy feelings there! I had to call and have basement redone and then have a new renovation done, am now $40,000 in the hole, do not ever use Co operators in Trenton, Ontario. I was told just after purchase I had flood insurance by them.!

I would never recommend Travel insurance or any other insurance with TIC/ Co-operators because they rip off people
My mom came to Canada and we applied for supervisa for her and i talked to the agent from PUNJAB INSURANCE, he said if the visa gets refused they will refund us the premium so i purchased the insurance But my mom didnt get the visa and she had to return after 4 months and when i called TIC/Co-operators for refund, they refused to return almost $ 1,000 because we claimed for two doctor's visit while my mom was staying for four months.
TIC/CO-OPERATORS INSURANCE RIP YOU OFF.
Never go with them.

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.