Cooperators Home Insurance Reviews

I don't know what to think. I have had a farm policy with Co-Operators for years with no claims, or changes. I renewed my policy for 2021 and noticed it had a 20% increase with no explanation. I can find nothing online to support this, most sites suggest 2-3% as to be expected. I wonder if the rate increase was supposed to be calculated at 1.02 % and the girl made an error of 1.20 %. Easy mistake, but her dad owns the brokerage and, well, I'm at a loss as to find the answer. Yes, I will be looking around. If I find what I expect to, I will be taking multiple policies with me.

Cooperators is expensive, but never had an issue with them, guess it's because I never needed to make a claim. But I did test them once, and called in and said my basement was flooded to see how they would handle the situation. They were prepared to send over someone to drain the water and dry the carpets and assess the damage. Then I told them it's ok, I'll do it myself .. so they passed the test, but not sure if they would have been if I pushed it all the way. The amount of insurance I paid in my lifetime for car and home is gotta be over 100,000. Put that money in compounding medium-risk funds over 30 years, and that would come out to around 450,000.00.

I have my home,car and motorcycle insurance with cooperator for many year now. I when with this company because I'm offered a discount with them through my work. Witch I don't think is much of a discount in my apinion. I had a leak around my chimney and water leaked on to my tv witch I purchased for $1500. I only got to enjoy it for eleven day and by the time I notice the leak it was to late. I decided to make a claim. I figured why not that's why I pay for home insurance. After speaking to them and sending them picture. It didn't take them long to deny my claim I was told this kind of leak is not covered. I was disappointed with them. I've never made a claim before and aways paid on time. Its real amazing to me how insurance company's can do this to hard working people. I will be looking for a different company as soon as my policy is up. I will not be loyal to any of these companies anymore. I will shop around every few years to get the best rates possible.

The experience was straight forward. However, The Cooperators, like quite a few insurance companies, gives you few coverage options. It's very like one-size-fits-all.

It was quick and easy to add my fiancé and speciality items to my existing policy for a very reasonable price. I don't think the price is far out of line with what others pay, but it could be cheaper I think. I have not had to make a claim yet, but when I have asked for information they are always quick to reply.

Good Company but did not match others as to price.

careful in home estimates and following policy guidelines

They have always a problem, always came up with excuses, why a claim could not be paid. Very dissatisfied.

Paid up was made easy when luggage was lost by Air Canada

They've changed their policy and made the premium a lot higher than before, that's why I shifted.