Meloche Monnex (TD Insurance) Home Insurance Reviews

I was not affected by the calgary flood. Roof blew off in a windstorm in 2011. It took three months for an adjuster to show up and inspect. I was told I had to take action to ensure no further damage but anything I spent may not be covered. In the end all was covered but it took 8 months for their contractor to replace the roof. I had a minor sewer back up due to a collapsed city sewer line. Quick response but poor cleanup by their contractor. I completed the cleanup myself. A registered letter has arrived saying that they will not renew my insurance next month.

Today marks 2 months since my home flooded due to a pipe rupture and I am still living in a hotel. I am still awaiting the damage quote so that I can go ahead and start hiring contractors. Spent the first 2 weeks calling my assigned "agent" 2 or 3 times a day seeking help and answers to questions, left voicemails, and have literally spoken/received emails from said agent 3 times in 2 months. This service is not just this agent. The morning of the flood I was given the name and number of my agent, only to discover on my own through multiple calls, that indeed this person was on holiday. I was told another person would call me.... that never happened. Finally, my current agent reached out. That was easily a couple of days after the flood. I will likely switch all my insurance (house, car, truck, side x side, 2 snowmobiles) to another company as soon as I get a payout.

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 20 plus years of being with Meloche Monnex they will no longer insure my home because I excersized my rights to make a claim. Since having two claims with our house in the past 5 year period they have dropped us and we are left to find another insurance provider at a much higher premium. They do not care how much business you give them.

The customer service is good but the rates are astronomical! I will be saving $80/month going elsewhere and having the same coverage. I called Meloche to see if they could reduce the cost since I have been with them for 4 years and they said this is the best they can do.

Our home insurance renewal just arrived, a 45% increase from last year. Upon further examination, I can see this is an overall increase of 240% from 2010. This after 9+ years no claims, no incidents.
TD letter states that 'there may be an increase in your home insurance premium. In order to continue to provide high-quality insurance to you at a competitive price'
How do they consider a $1485 annual premium to be competitive when our friends & neighbours are paying on average $500 - $650 for the same, or similar policies?
I can only assume that TD is counting on the majority of policy holders being either too busy, or too tired to care. I am both tired & busy, but I will make the time to shop around.

I decided to go with TD 2 years ago. Find out that my premium has doubled in 2 years. Live in Winnipeg. Sorry what happened in Calgary and Toronto, TD. My $50,000 sewer backup is now $5,000. Over $1200 a year plus taxes for a 1220 sq. ft. house. $1000 deductible to boot. Been claims free for 16 years now. Can do a heck of a lot better than this elsewhere.

nobody returned my calls

What happened to your customer service? I had an automobile claim a few years ago and had excellent customer service. This year I simply tried to pay my annual home insurance premium by phone and gave up after two tries. Whoever is in charge of your customer service should be fired! Unless I can actually talk to an agent the next time I contact you I will definitely change to another insurance company next year. I am appalled at how your customer service has collapsed!

I've been with Meloche Monnex for 30 years. Since TD Bank bought out Meloche, it is like dealing with a low-end insurance company.
This year's renewal, all of sudden they gave you a hundred pages of policy listing what they do not cover including theft and attempting theft.
Yet most critical info about dwelling amount is not given to clients.

Called their customer service, waited for 2 hours to get answered. Very poor customer service.

The agent was trying to sell your policy saying this and that not included.
On top, for the same house, their record can be changed that you do not have certain items. A tactic that TD has to pay the occurrence.

Agents are not pleasant to speak to. One agent just hangs up on me when I ask for clarification of the policy.