Peace Hills Insurance Home Insurance Reviews

I’ve been a customer for 5 years and never made a claim. Peace Hills Insurance (PHI) denied my claim for water damage in my basement. I was surprised to learn that groundwater from extreme rainfall is not covered under their “Water Plus” package. Water Plus is marketed as a “comprehensive water damage protection package”. However, surface water infiltration IS covered, and in fact, groundwater damage is covered as long as there is some surface water as well (seems like they’re splitting hairs here). Anyway, after my adjuster decided that 100% of the damage was caused by groundwater PHI denied my claim. I hired an independent inspector to dig through my walls for a second opinion which included actually going behind wall coverings (something the PHI adjuster did NOT do). This inspection produced strong evidence of surface water penetration in several locations (moisture meter showed the water was still present!). I spoke with a manager at PHI and informed him of this new evidence. He told me that PHI was unlikely to change positions even if I submitted this new report. He then questioned the competence of my independent, third-party inspector. I told him that his inspector could go to my house right now and see for himself, but the supervisor just continued to be unhelpful and refused to listen to my reasonable suggestions. Do not use Peace Hills Insurance, unless you like fighting email/telephone battles for days on end. The worst part, the representative who was managing my claim still has not contacted me despite numerous calls and emails. Do yourself a favour, avoid doing any business with PHI. Instead, donate your money to a good cause.

The worst most vindictive company I have ever dealt with! We called them we had water leaking in our basement. They said to call a plumber, ” but we won’t pay for it”! My husband said that he has to break through the wall first to see where this leaking. They said - "We won’t pay for the drywall!" This is with replacement cost? We ended up fixing everything ourselves! Thank God we had the money.

I have had 9 rental properties insured with Peace Hills for 10 years. We just had a fire last year and Peace Hills immediately denied the coverage based on a technicality in the contract we had with them. It was an awful experience and we ended up losing a property and had to sell another one to cover the loss. We couldn't even talk to anyone at Peace Hills as they wouldn't return calls and kept referring to 'future liability' if they were to engage in discussions about our claim. We recently switched insurance companies and got premiums 30% cheaper. Whatever you do, avoid this company if you can. Their website is all about how they are "a unique insurance company that truly cares" and I assure you that is just bait to get your business. They are a great company when you are paying them premiums and a horrible company when you need them.

My mother-in-law passed away, one representative told me no worries, let me know when probate is complete and we can put a new policy in your name. My mother-in-law was insured through
this company for over 20 years, never had a claim, never late on a payment. They cancelled the insurance as soon as probate was finalized, left us high and dry with no coverage scrambling to get coverage for a vacant house which apparently is difficult. Who knew? There is a word for these guys and I wouldn't go through them if they were the last company available. PS. Their rates... way higher than everyone else we checked with!

I became the executor of my sister's estate. I found out that Peace Hills insurance had double the square footage of her home and subsequently had overcharged the home insurance for more twenty years. It amounted to about twice as much as she would normally would have paid.

When it came time to renew the policy, they claimed that the rate had changed because her late husband was no longer with the company Telus and the policy would double.

I cancelled the policy. I do not deal with crooks.

Worst experience ever. I paid for a year of coverage and they come back wanting additional unreasonable terms and they want to reduce the coverage period from the year (I already paid for). Insurance companies are not generally great to deal with but Peace Hills is especially a joy to do business with.

I had to make 2 claim experiences with this company and both were horrible. My basement flooded and the quality of the repairs were terrible. The hail destroyed my roof and fence and they denied the claim saying it was normal wear and tear. This is a bad company. Save your money and go with a reputable company!

I have paid my premiums for years without delays, never ever had to have a claim, until a year and a half ago. I was very badly robbed. This company is dragging this claim out with all kinds of added requirements. I have provided everything that was asked, they have the police report, yet I still have no compensation . And this is a year and a half wait and no settlement. Why does our government allow Insurance companies to do whatever they will with people to make life miserable for a person. We pay for insurance coverage, they get our money, because we are lead to believe that we have coverage. Apparently this is not so. It appears to me as legalized crime???? This is so very wrong.