Meloche Monnex (TD Insurance) Home Insurance Reviews

After 20 years , TD sent us a letter telling us that we no longer meeting their underwriting guidelines . Two claims and two incidents in the past 3 years and that was enough for them . An incident is where you call the insurance company and talk to the claims department, at the end of the day we made no claims on theese calls becasue we just wanted to make sure that there was no damage during a hail storm . Am I not following due diligence by having them come out to check to make sure? According to their metrics , you can have one claim for $ 700,000 and your still OK in their eyes . If you have two claims totalling $50,000 and one incident , your a high risk client now. Time for them to say good-bye to you. As the client rep said , you are at higher risk of impacting our rate of return. I said if I have to move my home insurance and going to move my car insurance as well. TD response was " it really doesnt matter to us - go ahead"
Come Hell or High Water , TD won't be there !

After 11 years with TD. Meloche for home and autos and paying $5000/yr I had a wind and hail claim on my roof that was leaking and was only ten years old. The claims adjuster literally lifted his hand over his head holding his camera and took pictures. Brought the camera down and said, "ya this isn't insured" and left.

The only silver lining is Scotia is about $1000 per year less!

Never go TD, no wonder they use a Shakespeare actor, they are only pretending to offer insurance.

Please be aware of TD Insurance! I have been with this insurance company for years and I got hail damage which is beyond my control. My house was fully insured by TD insurance and they refused my claim. In every house in my area, their insurance company replaced their roof and siding, TD Insurance did not fix the damage! I was insured with them for years and they did this to me. Please don't go with this company, they will refuse your claim and all the money you paid them for years will go out the window. This company and their employees are ruthless rattlesnakes. They will give you insurance but never ever will pay out if anything goes wrong. Run, run for your life from them. They are the biggest liars in the insurance business!