SGI Home Insurance Reviews

First, an adjustor comes to check the damage of the garage fire and says "well you are covered for $43,000.00, BUT we both know you WON'T get that." I took that easily enough as I DID NOT expect it. So I contacted a couple of places and got estimates, One of 33,000 and a second at 27,000. Ok.....adjuster says "No, these are still too high" Got another, for just the garage, and it was a package, costing just over $7000 to which he jumped at saying he would stroke the cheque out for. NOW it got interesting...Because the garage pad developed cracks and would be about $5000 to replace, but the adjustor said "The concrete expert said a garage pad would not sustain damage in a fire."... Even though I sent pictures of the pad and the cracks....and I had stated there was 1 crack in the pad when he was out! It got hot enough that a door inside, (an entry door) with the metal covering, was BENT over from the heat. The damage to the garage was so severe that the fire inspector could not even tell where it started in the garage. SO, now even more irritated, I move on, tired of the royal screwing by them, that I say to pay me out, 15,000 and we'll be done....he returned with a nope, if you want a payout, that would have to be worked out, as the depreciated value! I am totally lost with this entire system. Also, very sure that because I live in North Central, paying higher premiums, they treat me as the second rate only to get my premiums, and dance around the claim and coverage! I will make up a second review, once this gets settled....or if I go to a lawyer with this!

Run far away from SGI home insurance! I tried to make a claim for water damage and broken windows and doors due to breaking. Every single new thing that was found (as how it normally goes, you see more damage as you go along) was filed as a “new” claim (even tho they all related to the same incidents). They are just looking to get more deductibles. For the water damage, they would not send an adjuster, at my suggestion, said I could hire a plumber or home inspector to see where water damage came from (as it was not at all evident). So I pay ridiculously high premiums for 10+ years without ever making a claim, then I am told I can hire my own Inspector, and if it’s found that the damage is covered (which they will do anything to not cover it) the fees I pay out of my own pocket, work THEY are supposed to be doing would be reimbursed Not to mention the approx 10 hours of phone calls/emails/taking and retaking photos only to have the claims denied and one given the run-around and hoop-jumping (“go get quotes for only the panes of glass, we won’t cover the frames”). Such a nightmare! So, NOT use this for home insurance, I will be pulling all my policies

I've had my home policy for a number of years. Always paying in full at renewal and have not one claim, ever. I have run into some financial hardship this year and my credit score dipped. What does a loyal customer get? A 100% premium increase in the year of COVID 19. Don't blame SGI for my increase as they weren't looking for much extra at all. The unregulated greed of the Ontario insurance lobby inventing new ways to kick their customers when they need support not to be robbed blind. Shame on your company for being so incredibly greedy! What's my wrisk? I pay in advance and never make a claim. Maybe it should be 200% and not 100%?

What a joke this company is. They not only refused my claim for fire damages on my tenant property but also cancelled my policy giving me 15 days notice. Stay away. They just look for reasons to not cover you.

This company is very difficult to work with. Nothing but problems from day one! Please do yourself a favour and run away from this company. I have nothing good to say about this company. After our house burns down and you lose everything one is devastated losing everything and then SGI caused nothing but grief. I just want to move on and forget about the fire and live my life again in my home ASAP. SGI has no sympathy for families. Very slow to work with and they fire people they hire if they like what they see. Very poorly run company. Never will use them again.

I had a wind claim for shingle damage on my roof. I never saw an adjuster. She lost emails and photos, took weeks to respond to phone calls or emails. I had to get a contractor to asses the damage then it was rejected. I still hadn't seen an adjuster, so it was unbelievable that they could refuse a claim they never saw. It took 9 months to get an agreement. My contractor was ready to quit on me. I never ever saw the adjuster through this entire ordeal. Never again.

Put in a claim over a month ago for damage to my walls after a roof leak. We’ve had SGI home insurance for over 10 years without a single claim. The adjuster came, took pictures and we’ve heard nothing in over 30 days. No response to emails, they never answer the phone and after leaving voicemails, no calls back. Called SGI's main number to talk to anybody that may help and was told to call the adjusters boss. Guess who won’t answer her phone or return calls either? I DO NOT recommend SGI home insurance. When this is settled, I will be switching insurance companies.

I was away from my house for 4 days and when I got home it was 130 F in the house. My thermostat failed and the furnace continually ran. The person that came to fix the problem has worked on furnaces for 40 years and has never come across this problem. Needless to say there was over $60,000 of damage to the house including cracks, wall deformation, flooring damage and the list goes on. The appraiser came took some pictures and says "I got some bad news this is not covered because your thermostat is a wearing item". Now how can they say this is not covered when a professional furnace installation person has never seen this in 40 years. Good job, SGI, pull some more excuses...

I have lived in my home for 22 years and in the last 4 years my home insurance cost has doubled since 2013. In the first 18 years it would only increase 50-75 dollars a year, now its 300-400 per year. This is ridiculous and outrageous. Who sets these prices? My wage does not jump that much a year if any. Its getting to a point that a person can't afford a home because of these extreme costs.

Have had 3 break and enters in 4 months, the last break and enter I lost 20,000 dollars in property stolen,so I made a claim on the last one. my coverage was 10,000 max. I submitted the forms and then was told that that's blanket coverage (not when I bought it) 5 years ago. I was also told because I didn't have 80 percent coverage of my property value I am not covered. So a 4000 a year premium for 5 years for nothing! Not impressed. Not a phone call in the past 5 years regarding my coverage. If I was made aware of this at time of insurance purchase I simply wouldn't have. The brokers I purchased from misrepresented my insurance coverage, and has cost my family close to 40,000 from lost property and premiums.