The Personal Insurance Home Insurance Reviews

Please don't select "The Personal insurance" for your needs & any cost. Very bad experience in my lifetime. They give you a top stress level when you need them. The adjusters are very hunting, for the damages or constructions, they will recommend using their contractors If you don't use them, adjust will cut down the settlement unreasonable. If you use the contractor he recommends, he will make double payment. Because they are getting the commission from them.
Also, the adjuster will recommend you and your family to live in the same house while full house construction happens.

Unacceptable in all facets of claim! Repair work done twice. Sloppy packing broke many items

I had a heavy water leakage in my house due to rain. I called Personals Insurance. They sent a guy who went on the roof and came back with some pictures of the roof saying they will bring drying equipment. I called the next day as two rooms were soaking wet and with every rainwater dripped in. The guy sent by Personal said he doesn't have drying equipment and that he will call when he has it. I called multiple times but with the same reply. I had to buy heavy dehumidifiers and fans to dry up my house. I then hired a roofer to fix my roof. There was no reply for exactly two weeks from Personal's contractor. After two weeks when the house was completely dried and the roof was fixed the person called saying he is bringing drying equipment. This was ridiculous… I told him I couldn't keep house wet for two weeks for him to find drying equipment and I did not make a claim. Now I got a call from Personal saying I have to pay the deductible of $500 because I did not make a claim and I have to pay the deductible. Please be aware ...your house can fall dawn and this company will have not to do anything but you will pay the deductible. It is total FRAUD !!!

We saved approx. $500 by switching to the Personal from another carrier, and we are incredibly sorry. Was originally told to contact their preferred contractors to arrange a repair. After unsuccessfully trying to contact them, the Personal decided they would finally help me - a full month after my claim had already been started. The contractors that they use for claims obviously work with other insurance companies, and from my experience and understanding - the Personal is last on their lists. Nobody from the Personal ever follows up on your claim, if you want anything done with them, you have to constantly call them and their preferred contractors. Takes over a full week to be able to speak to a manager. Spend a little more money, and get some good home insurance.

My house was recently damaged by wind storm. I couldn't reach anyone until the 3rd day I called. Then I didn't hear from the adjuster until 2 weeks later when I called. 3 weeks on I'm still waiting for the contractor to come and check on my house (I've been calling the adjuster every 3rd day). Very good customer service when they want your money, not so good when you try to file a claim. I'm changing insurance company after this.

These people must truly want their customers to go elsewhere. A recent basement flood led to the worst customer (non)service experience possible. They contracted out the claim so we had to deal with someone not at the Personal. This person conducted a recorded interview, making us feel like we had purposely flooded our own (unfinished!) basement for some sort of gain. The assessor sent from Paul Davis systems turned out to be inadequate (despite the Personal having dispatched them) and we never got to see their full estimate. We had to provide 2 others, from companies we contacted. Delays in service caused further damage, and the Personal refused to cover more than about half of the clean-up and repair work (they would not cover us for the amount in our policy, but only half; very petty considering it was a relatively small claim), leaving us on the hook to cover the costs. To add insult to injury, they tried to issue payment to one of our service providers, instead of us (the customer), when we had already had to pay multiple different people involved in the clean-up. Never, never, never deal with this company. They should not be in business as they are unprofessional and not dependable.

been insured with the personal for 25 years. home and 2 automobiles.Had water damage from a copper pipe fitting that dripped behind a wall and down through the finished basement ceiling onto the carpeted floor. called the personal thinking that after all these years of not one claim against my policy and faithful on time payment the would help me out. Wrong!!! they send out an adjuster with a man from an emergency restoration clean up company, take some pictures and tell me not to do anything because there could be mold now. they tell me to tarp off the room until the so called mold can be removed by specialists. 1 week goes by no help from the personal. 2 weeks go by no help from the personal. In the third week they finally actually take my call just to find out they are denying my claim because in their opinion I should have done my due diligence and thoroughly inspected my home to ensure all things are in good working order on a daily basis. they told me to contact the plumber from 25 years ago a make a claim against him. there was never any mold when the adjuster made the site visit but after 3 weeks of taking his advice of tarping off the room mold had set in. mentioned this to the adjuster but he didn't care. also advised him that over the last quarter century I have probably paid them in access of $50,000 with no claims, again he didn't care. very disappointed with this company as I felt I was a faithful customer. My lawyer said I could make a case about the miss directed advice about the mold but this meant spending more money, repairing the damage to my home cost enough.Do yourself a favor and get quotes elsewhere. they are only in it to take your money , not to help you.

Similar to another review on here, we had hail damage in Airdrie in summer 2914. Dealing with the personal and their mandatory contractor Belfor has been one of the most horrible experiences of my life! We wanted to use our own contractor but to do that they would only pay out about $11000 on the $25000 of work :( . It took nearly a year to get started and it has dragged on to the point that we are STILL waiting for some things. They would only do two sides of the house despite our siding being discontinued so we have a multi colored home... The Windows had to be replaced FIVE times over ELEVEN visits (for which I had to become all day), due to multiple mistakes (shout out to Chinook Glass in Calgary the subcontractor, they were the most unprofessional company ever).... One window still rattles loudly with any wind.
I am appalled and cannot wait to switch insurers. Beware to those thinking you are getting a deal with the Personal, you will pay for it in the long run.
We have had a few car claims with relatively little problems... But fixing the hail damage on our truck was also a nightmare, a tale for another day!

In August 2014 there was a very bad hail storm in Airdrie. Pretty much everyone had damage. The back and side of my house were hammered with hail. My siding is no longer available. The personal plans to use a different colored siding on the affected areas! I will have a two tone house! This is crazy. All my neighbors who are in the same position are getting a full wrap of new siding. The personal is the only insurance company following the'letter of the law' on this. Every other company is using common sense and deciding to do the right thing by their customers. This means I either agree to having mismatched siding or I pay $12,000 additionally to replace the rest of the house to match. DO NOT USE THEM. You will regret it.

So we had a flood in our house from a toilet upstairs in the end of August.
It is now December and I am still waiting for my house to be fixed :(
Also when I complained about the workmanship my adjuster said that there was a clause in my insurance that prevented the workers from fixing the house! The walls are all crooked and they will only replace the countertop in the kitchen that was damaged not the whole counter top as the countertop that was damaged was the breakfast bar. And of course I could not find an absolute match so now I will have miss matched counters! Worst company ever for customer service as I can not actually speak to them - I have to go through the adjuster!
Also when the claim was first filed they tried to tell me it was a ground water claim where I would only get $10,000 not the full value of what it should have been - had to fight for that!