TD Insurance Home Insurance Reviews

They suddenly increased my home insurance by 40% without reasonable explanation, I am 13 year loyal client, without any claim for so many years, the renewal notice showed their raise of premium for this year is 40% higher than last year. I called and questioned the agent, the agent was not able to give me a good explanation, and the attitude is really rude. I chose to cancel the policy with TD Insurance, recommend you to do the same thing too.

Most TD insurance customer service agents are rude and poor in services. A couple of times I disconnected the call due to the way he was talking. When I told him he should talk in a better way, he told me it's your choice to talk or not. Another point is about the quote. There is almost double the amount of difference when you quote online and when you call the agent. I got a quote online for 800$/year and when I call the agent to buy the quoted 1500$/year without changing any conditions. When I asked them why does it happen, he said I don't know and I can't do anything.

We have to pay late fees when TD is at Fault! We tried to call for weeks and we had to wait for weeks not knowing if our policy is renewed and then when they finally call, they were rude and condescending and totally take no responsibility for their actions and simply blame the whole incident conveniently on Covid-19, this is totally deplorable that TD would use that as an excuse for their mess and poor service, in face TD poor service proceeds the pandemic!

My premium increased like $50 because of inflation, which seems a bit steep. I found a better insurance. So I requested to cancel and asked about a cancellation fee. I was told I was owed $5. Great. Then come time for new insurance to be paid, my TD insurance also comes out, a decent charge too. I call customer service, and they admit to making a mistake and that there was a cancellation fee. I was not informed of this, or I would have planned for the funds to be available. Now they put me in a predicament where I will be NSF’d bc I have other bills coming out. They refuse to help me out or do anything for me, even though it was their mistake. Do not recommend.

Absolutely a waste of time and very rude. Explained the house insurance we had ended on the 17th of the month, and they set the new insurance with them to start on the 20th, leaving a 3-day gap. Once they realized they made an error they cancelled the insurance policy citing a breach of internal policy, never taking accountability for the mistake they made.

I got the same coverage for $1000 per year, but TD insurance was charging me $2000 from last 7 years and I had no claim history. Staff is very rude. Even manager was too rude and said to me “if you don’t like us then don’t buy from us”. I am even going to stop banking with them.

We have a claim for the Jasper wildfire and from the very start TD insurance has been a nightmare. Adjusters are impossible to get a hold of. When you do, they are completely uncaring and cold. You are questioned like you are on trial, and they are trying to find you in a lie. They are trying everything not to pay out. As soon as we are done, we will be switching insurance companies.

My representative stated that they would give an estimate last Friday over 1.5 weeks since the accident. We sent him numerous calls and emails and nothing! As though he ghosted us. Not impressed at all!

This pathetic company lured me in with a "reasonable" premium (3000 CAD) for the first year, then, in spite of being claim-free for several years, offered to renew with a premium of 4000 CAD... Their explanation was that this increase was a general trend over the province. I checked and found out that actually the average increrase was about 7-8%. So I shopped around and found a better policy for 3100CAD.
Don't waste your time with these clowns...

I have insured with TD for my home and car for over ten years. I never claimed anything until last year, my car was stolen, when working with TD for the accident, there is no sympathy, no support, very bad customer experience. I regret that I supported such a cold company over the last ten years. I will never do any business with TD. When you need help, they push you away.