Cooperators Home Insurance Reviews

I insured my home with Cooperators for 13 years because I had my auto insurance with them. Twice I had damage to my home that was caused by extreme weather, it should have been covered by my policy, but both times an adjuster was sent, my premises evaluated and photographed and then my claims denied. I then had to pay out of pocket for serious repairs, not knowing where to go I asked the Cooperators adjuster for a recommendation. I contacted the recommended contractor and ended up with poor workmanship, unresolved problem and a large bill. If you enjoy paying inflated rates and receiving no claims support, this is the company for you! Just be aware that when you find a better price elsewhere that gives better coverage, Cooperators will penalize you heavily financially for leaving anytime that is not in your renewal month. I recommend you go anywhere else.

We had all our home and auto insurance with the co-operators for 35 years and have never had a claim on our home policy. We paid them $1,750 each year as premiums. Recently, a seal in our dishwasher ("water container") failed and caused a flood in our condo. Fortunately, I was able to contain the damage to hardwood flooring in an adjacent room and one sink cabinet. Total damage under $3,000 but they denied the claim.

This was the first time, we needed this insurance company but they ran away - said it was a "slow leak" and therefore not covered. Too bad so sad. This was based on findings of mould under the cabinets. On investigation as we did the repairs, the "mould" was stains that are more than 15 years old, dating back to a water leak the previous owner had in the kitchen.

I wasn't even sure that for the small cost of the repairs that I would even file a claim. However, correspondence from the adjuster on this claim bordered on rude and threatening if we considered pursuing this. Even if they believed there was an old leak, one would have thought they might have the common sense to consider the discretion of covering it anyway, given the small cost and the fact that the cause of "mould" could be uncertain. But common sense and discretion are absent with this company. Even a bit of politeness in correspondence might have gone a long way to retaining business.

With this experience, I can never trust this company ever to be present if needed and have move all my business to another company. For the cost of less than 2 years of premiums, the co-operators has lost my business forever.

I have had insurance with co-operators for 22 years with no claims.
When a tree branch fell onto my garage roof and damaged it, they sent many people to check it out the same day.
After assessing that the repair would cost $2000.00, I only had to to agree to pay a $1000 deductible and agree to a 20% increase to my rates for 5 years, because i am now a bad risk.
Wow- what a good deal--NOT!

We were recently transitioned from Coseco to Cooperators and our home and auto went up by an average of 23%. In addition, they saw fit to add water coverage we never had before - initially raising our home coverage cost by 328% - without asking. I asked for a "reduced" water coverage (which is what we previously had) and they simply don't offer it - all or nothing with a BIGGER COMPANY. By acquiring a smaller company they have increased our rates by 23%, reduced product offerings - and wait times to phone their 800 number are triple what they were with Coseco. We have been with Coseco for nearly 20 years - claim-free - and 2 weeks with Cooperators is 2 weeks too long. We'll be switching.

After 25 years using Co-Operators as our home insurer, our premiums doubled because they decided to add mandatory coverage that we did not need. When we called to ask why and indicated that we were thinking of cancelling, we were not told that we would be charged a cancellation premium if we didn't cancel by a certain date. It took about 4 phone calls, always with different people, to finally get a complete explanation for why we were being charged a penalty to cancel. I expect better service after 25 claims free years. We've moved on to a new insurer that does not lump all home owners into the same risk category, even when it is not appropriate.

We had a basement flood caused by a blocked drain in our walkout. Cooperators sent their contracted investigator out. He assured us the damage would be covered. Talked to someone near Ottawa who denied our claim and became rude and argumentative when I questioned him on his decision. Extremely poor customer service. It took him almost 4 days to deny our claim. If I hadn’t done the tear out of all my carpet, under padding, trim and 1 ft of drywall myself it would have sat their collecting mould for those 4 days. After being denied I found out it still counts as a claim because I notified them and they sent out an investigator to do a report. So frustrating. Cooperators is awful.

Very very high premium with very minimal coverage. The cost went from $1350.00 in 2018 to $2020.00 in 2019 with no claims, I dropped them, and they had no problem with that, I was with them for 46 years. I had to fight with them every year over the last 5 years, enough is enough!

Very pleasant folks, but I was very disappointed with the coverage. (or lack of) on water damage in my basement. The entire policy is rigged in their favour with a lot of covering disclaimers so that they don't have to pay. I have been a loyal customer with Aaron Cronk in Oakville for many years but will not be dealing with them again.

STAY FAR AWAY FROM CO-OPERATORS INSURANCE! We paid our insurance to Co-operators for at least 10 years, they were happy to take our money. When inquired into fixing our deck that was damaged by weather they sent us a notice that our insurance will be cancelled in 15 days. Why are we paying for insurance if a company can give us the boot come claim time? Their reasoning, we phoned twice asking for coverage which means the condition of our premises is a risk. The house is in perfect condition and it's a DECK! How can the number of phone calls we make to them determine the condition of our home?! What we paid them FAR EXCEEDS the cost of replacing a deck. Save yourself the heartache and money....go with another provider!

Please do your homework before signing the contract. Carefully. Buyer beware. Look at all your options prior to purchasing