Cooperators Home Insurance Reviews

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.

This company and employees only care about them, I've never had such experience my insurance has been the same since i got my car/license- it was 390 in 2019, came down to 230 per month when i change my place/address it never affected but they call me after 2 years and say your region wasn’t updated but the address is correct! And now it has been increased to 390 again in 2023. Such a bad experience.

I had a claim and my insurance is with them. As an insurance company, they should help the client, but they do not help at all. First, they say that they will help but after the claim, they say no. I used my credit card while they made the repairs in my apartment. I had hotel and lodging expenses. I tried not to incur greater expenses and even so they did not return anything to me for the insurance. If you are looking for some type of insurance, do not use this insurance! They will not help you when you need it.

After 10+ years with them 6+ with auto insurance, and business insurance for 4-5 years through them, I will never recommend, nor use them again. A couple of years ago I should've cancelled then my wife got into an accident, at first they were nice but, when the other driver claimed she was at fault the Cooperators underwriter or whatever they're called (The one who deals with accident payouts and such) treated her terrible, not returning calls, being mean in tone on the phone when we got through. Finally, I went and took pictures to prove that she (Wife) did have the right of way in the roundabout due to signage, even the police officer said if there were laws for roundabouts he would've charged the other driver (not sure if Ontario finally put in some laws but, at that time the officer said there are no laws in the highway traffic act for roundabouts) after sending them that information they again started being nice. Another issue is, I did have a speeding ticket 8+ years ago, and they (Insurance) told me when it is removed I'm sure they said it takes four years to come off, I'll notice a decrease on my rates, well that wasn't true, the ticket now been off my file for three-four years, yet they kept on rising our insurance rates every renewal making excuses each time, (higher claims across Canada, all insurance rates raised etc.) This year 2022 was the last draw as they wanted $188 for car insurance and over $34 for rental insurance which would be over $200.00 a month. I started calling around and found $122 a month (car) and $38 a month for rental both with higher payouts and lower deductibles from another insurer. Which saves me over $480 a year. When asked why my insurance is very cheap with them they told me it's because of our good driving history. Yet Cooperators keep rising my rates which is mind-boggling. I cancelled with Cooperators right away stating to be cancelled Aug 1st. 2022 and I asked about cancellation fees since I was so close to my insurance renewal the lady at Cooperators told me they will only charge me $40 something on my credit card, for the remainder of the time. A few days ago I noticed 40ish from them taken off my credit card, okay last payment... Well, yesterday I noticed $176 taken... They turned around and charged me $176 which I didn't agree too, and when I called I got hung up on because I told her straight out they were gorging me in pricing over the years. Talking to the fellow at the call center (Who was 1000% more respectful and understanding) it seems they didn't put the correct date in for cancellation as it was supposed to be Aug 1st. The woman from Jennifer's office right out refused to call me back and emailed me trying to say there are confirmation of an August 17 2022 cancellation, which isn't correct as my new policy starts Aug 1st with another insurer and I requested Aug 1st cancellation. Why would I be an idiot and pay two insurance companies? I also didn't care about a few weeks cancellation fee as that is my renewal date. Every time I call this office they transfer me to the call center, they can't deal with auto, and they don't put in the information correctly, Jennifer shouldn't be an owner as she or her staff misses things up I noticed in another review on Google the same concern of missing things up, she seems to never be in the office, her staff refuses to transfer me to her, they refuse to acknowledge when they're in the wrong like in this situation. One cluster fudge after another with this insurance company. Look around there are much cheaper insurance companies out there, this insurance company is like a pyramid scheme.

I’ve been with them for 15 years.
Told them I’m adding a basement apartment and getting it approved by the town.
The customer service person was rude and obnoxious. I was lectured about regulations and talked to like a 10 years old child.
Beware! They threaten you and look for ways to cancel you and they treat you like you are a horrible human and act like you are a criminal.
I was completely honest and upfront in giving them the heads up on the change of use in my house.
Made no difference. They wouldn’t wait for the two-month process. Instead, they dropped me.
I was good enough to give them money for years until I posed a “risk” then I was given two days to find another insurance company.
Totally unprofessional, no loyalty whatsoever!
I was told to get the apartment done and then come back and apply again once it’s all finished.
Needless to say, I’m removing my auto policy.
They want to keep my auto but now I’m concerned they would keep their word and cover me if God forbid I were to have an accident.
Don’t trust them!

Waiting months now still have only been contacted 1 time called numerous times and no call back claim is open but that’s it do yourself a favour and look elsewhere for home insurance!