TD Insurance Home Insurance Reviews

To start off if I could give a zero-star review or negative stars, then I would. One star is way too generous for this excuse of a product.

To give you some background information I've dealt with TD on numerous occasions. I've had 2 TD Auto Finance loans, a line of credit, two credit cards, a checking account as well as an investment account. The service with all of these was exemplary beyond none. I expected this level of service to transition over to any product falling under the TD umbrella. This is not the case and that is an understatement.

I opted in for the best possible policy - $2 million dollar solution, with comprehensive coverage on everything including identity theft, fraud, and data loss. Also had added coverage for jewelry, and flood/sewer protection. I also added a rider that stated that I would not be dinged for depreciation and it was called to settle your way.

I started a claim for theft and vandalism in July 2021. As of this point, it still has not been settled and nobody will get back to me. Prepare to be asked to jump through several hoops, then when you do what is asked of you prepare for them to add more incrementally. Then when you've done everything they've asked they'll ask you to do it all over again.

My claim amounts to maybe $100,000 in damage and $100,000 in contents. Realistically I lost probably close to $250,000 in contents alone. They are dissecting (when they actually got back to me) every single item like it's a fraudulent claim. In the decade before the claim, I made approximately $750,000 and my credit reach was enough to buy everything on my list twice over. However, I am perceived to be a fraudulent liability and treated as subhuman.

They are not on your side and what I should have done is right from the get-go is involved a third-party representative to deal with them on my behalf. When you need their help (as they promised to you) and you opt-in for the best possible coverage prepare to be treated like a liability. They will look for every reason to delay your claim, infuriate you and cause you to give up. Well, they picked the wrong guy.

They will not review your policy for you in a positive manner. If you have coverage for certain items, you better know your policy because they won't tell you. No "hey don't worry about it you're covered for that."

My vandalism claim was extensive to the point that a restoration cleanup crew should have been called in. They did not offer to do any cleanup or offer any advance while they did their claim investigation or anything really.

Then when I'm sick of my home is in the current state that it's in and I decide the hell with this I'm going to sell it for a loss my adjuster immediately tells me oh yeah you're going to get paid less IF it does go through. You will be charged depreciation even though I have that settle-your-way clause - what a waste. So not only am I dealing with all this but now I've had to take a $100,000 loss on my home and have nothing to show for anything.

If you submit documents online half of them will be lost and it will be your fault. Do yourself a favor and analyze your 70-page policy down to every word because all this product is 70 pages of them trying to find a way to not insure you.

I've had my adjuster switch on me three times and the latest one who is supposed to be a senior adjuster for TD is the worst one yet. She refuses to answer me ever. In fact, the last time we spoke was about 3 months ago.

I've been in the customer service industry before and I've had to make over a hundred calls in a day as well as nearly 100 emails. On top of that find the time to sell the product I was selling to live customers. If I ever had the audacity to behave in such a manner I wouldn't make it to lunch before my name was off of my office door.

Other gems that you can expect are things like your adjuster telling you that they can't access your policy to give you a copy, ridiculous. The only positive experience you will have is when you try signing up for the insurance those people were more than Pleasant. As a matter of fact so was the first lady I spoke to when I called to make a claim. The first adjuster I spoke to was also Pleasant but he was removed from my file after only 2 days, most likely because he wanted to process my claim as you know it's their God damn job and that would cost the company money.

I can't believe that this product even falls under the TD name it's an embarrassment. I am going to do everything in my power to make sure that nobody ever buys their product.