The Personal Insurance Home Insurance Reviews

Would give 0 stars if possible. This company is crooked. Awful experience. Water seepage through our balcony started after a bad storm in winter. Any no coverage even though accidental water seepage should be covered. Horrible service, no help whatsoever. No point in having insurance. Please don't go with these people, we are devastated.

Horrible customer service. I would give no stars if I could. They do not care about the customer. I had water damage in my basement this spring. I am still waiting to get things moving on my repairs. Meanwhile, my daughter's bedroom has been uninhabitable for over four months. One advisor on the phone told me that we would get compensation for her being displaced but now a different one is saying that it is unlikely. My claims advisor has been unempathetic and rude and made me jump through hoops/beg for items on my quote to be approved. This company is recommended by the Canadian Military as they have a group plan. If you are in the military DO NOT USE THIS INSURANCE COMPANY.

I filed a claim with The Personal Insurance Company recently (fall 2021) for compensation on the loss of rent during the period our condo was damaged and was repeatedly suffering from grey-water backups into the kitchen sink and, on two separate occasions, into our unit, a situation that made the condo unfit to live in for almost four months. The floors, the walls, the kitchen cabinets were all impacted and had to be dried up, disinfected, partially removed and finally replaced. I sent names and contact information, videos, pictures, documents, the assessments made by the building insurer etc. The Personal Insurance gave me the longest and most exhausting and exhaustive runaround in the book and to this day, they have only very reluctantly compensated me for about 1/4 of my rental losses. Their definition of an unfit to live property doesn't match that of the province they are headquartered in and are serving. They say, we only compensate the property owner during the repair time, not while the property is damaged, unfit, unsanitary, unsafe and only partially usable (in this case the property was only fit for the storage of the furniture, occasional stay overnight, and the use of the bathroom and laundry facilities.) Our tenants spent most of this period staying with family and friends and coming to the condo when absolutely necessary. To compensate them for this inconvenience, I gave them a discount equal to half their rent. I also, gave them the option to break their lease and leave altogether as we didn't know when the property would be repaired since the cause of the damage had to be found and fixed before any repairs could take place within our unit. They chose the rental discount hoping that the repairs would take place soon. I thought the Personal Insurance would easily compensate me for this very straightforward case of loss of rent, minus my deductible, and as long as it didn't pass my total rental loss compensation limit stated in my insurance contract. That was not the case, and the two claims adjusters, and the one complaints division agent with whom I followed up on my claim, all found every possible way to refuse to provide full compensation for the rental losses I have incurred by following the provincial rules pertaining to compensation to tenants when the property is damaged and is inferior to what was promised in the rental contract.
This is quite sad to discover since I have been a very happy client of The Personal for decades, generally due to their respective customer service and quick handling of the few small claims my family has had with them in the past. But, I guess things have changed, and this company doesn't seem to respect its rental home insurance policy and its written promises as it ought to. I hope The Personal Insurance executives will read my comments and try to return their company to what it used to be in the past, a decent and reliable insurance company that was reflective of the clients they're serving: hardworking teachers and university instructors among others.

Wouldn’t give any stars but not an option, they don’t return emails, calls and they make you feel like you are annoying and wasting their time😡 Do not waste your money because if you have a claim good luck!

Terrible service when needed to claim due to hail damage. They do not want to pay for damage that customers entitle for. Seems their agents get a commission for not paying customer and keeping money in the pocket. Many times it's evident that they are not there to help and make customer's life miserable.

I’ve been with (The Personal Insurance) for the last 12 years (not a single claim- they were just happy collecting my money) and I needed help with my claim for the first time after the last hail storm, and was very shocked by the way they take advantage of their customers, it is not far fetched to call them crooks and thieves. Not recommended at all.
Seriously
Avoid their business at any cost.

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.

Still no call from an adjuster. Cannot live in my apartment. They are nice and caring when they sell the plan but when it the time to claim they don’t know you.

Just called their customer relations department. Waste of time. No empathy whatsoever!

Home insurance cost increases very fast at The Personal even no claim whatsoever. No loyalty program to talk with. Do not choose The Personal!