TD Insurance Home Insurance Reviews

I shopped around for my rental insurance a fair bit, and TD provided the best value for money.

I chose a $20,000 deductible (I am only concerned about major loss) and the premium was very good. Unfortunately, I HAD to also buy “water damage” insurance and the coverage limit is $25,000. With my $20,000 deductible, there is very little coverage for me…. I wanted to opt out of water damage, but TD insurance wouldn't let me. The water damage insurance is 12.4% of my premium, and it is wasted money in my opinion.

Several years ago, when I moved the insurances with TD Insurances (Meloche Monnex), I had a higher price then with other companies for the car, but a pretty good price for the house, which was compensating. So I decided to move with TD insurance.
The coverage was pretty good (gold coverage).
But the insurance increased pretty much year after year, and had to call each time to negotiate and have the price lowered a little bit. I also had to go down from gold to silver coverage for the second building, to continue to have an accessible price.
This year we have been advised that the above ground water coverage will be removed for this location. And this for both houses.
The insurance price has been increased anyway by a few hundred dollars.
Which is frustrating, as the coverage for the above ground water damages will be removed.
And I did not have any home insurance claims.
I called to have the price lowered and to have the above ground water coverage back, but could not have a better price, and I was also told that the above ground water coverage is no more possible for this location.
But when I called the company last time, I was told that maybe there will be some changes in regards to the above water coverage.
I will call the insurer back in a few days to see if any changes. Otherwise I will probably have to go with another company, as the price of the insurance will be too expensive for the type of coverage I will have.
I did submissions and had pretty good prices with The Cooperators, with La Capitale, RBC, and with The Personal.
So still comparing, and thinking.

Questions to determine monthly rate were difficult to answer and each answer affected the rate. So it was tough to understand impact

They are fine. I have a discounted rate as I am an alumni member through my university.

They were good when my garage was robbed

It is good. They provide detail information when I join the service.