Cooperators Home Insurance Reviews

Had a flood in November. It's now June and they just started repairs and just paid my contents loss. My first adjuster had no idea what they were doing. Their 1st onsite restoration company is no better. It takes weeks to get a response by phone or email from either of them. Most of the questions I have are just ignored. Have to ask over and over up to 5 or 6 times to get any response weeks later. It took over 40 days to get a response from the adjuster in the beginning after I asked what was happening as no one was returning my calls/emails. I once was a residential adjuster with cooperators 20 years ago and the service I have received in 2021-2022 is absolutely abysmal. I'm quite shocked by the low service levels. If I could rate zero stars I would.

I am a Realtor in the middle of doing a home sale with a home claim on the house being sold. I represent the buyers in the purchase and needed to get information on how we go about protecting my clients when the property transfers ownership and the work has not been completed yet. I have been provided full disclosure from the seller client who holds the policy and been requested by then to contact Co-operators in regards to just the process we need to carry out in this situation. I have a law background and knew there may be privacy issues. The customer service representative I spoke to was immediately extremely rude, curt, short, and just plain unhelpful. I explained to her I know there are privacy issues and that is fine but could she explain in process terms unrelated to the specific policy the steps we need to take. She became more rude and unhelpful and refused to discuss anything with me. She kept saying she could not talk to me about the file, which I kept explaining I was fine not speaking in specifics of the file, perhaps just a hypothetical so that I could go back to my clients with what we needed for assurances for them, and she just did not help. Horrendous customer service. I would NEVER recommend a client to this company for home insurance, and I in a position to guide clients on that issue. It was a terrible experience and ruined my day. How could someone in that role be in that role if they are just a miserable human and cannot deal well with others? Horrible representation for your company.

Cooperators sent in an independent contractor to conduct a house inspection. One month after this was completed I received an email from my agent with a list of six recommendations. These included a fire extinguisher and several very minor repairs they wanted to be done. The only problem was they gave no indication these had to be done in one month. At the end of January, I was informed that if I didn’t have it all done by Feb 28 they weren’t going to renew my insurance due on March 1. Needless to say, I’m not with Cooperators anymore and am paying less. Don’t go with these people.

Am in the Cheticamp area. Had been with Cooperators insurance for years and paid about $1,400. When I was quoted the renewal this past September they quoted me $4700! To say I was shocked would be an understatement! Firstly, I wasn't living in the home the other years, was here seasonally. I also upgraded my fuses to a breaker, so my quote should have actually gone down! I know of people here who are paying $1,200-1,500 per year and actually have Airbnb running from their homes and yes the insurer knows. I was beyond disgusted. The person who had to call me to give me the news about this high quote was actually embarrassed. In any case, think it was deplorable. Obviously, I am with another company now.

Was with them for 8 years, last year I paid $1200 for the year. When it came to renewing in September I was more than shocked when told my yearly rate had gone up to $4700! I've never had a claim AND had upgraded from fuses to breakers, new hot water heater, plus… I was living away before, so it was seasonal moved back in July for good. The person who called me to tell me the nee rate apologized profusely and said even she was shocked. I questioned it to the top guy there and he blamed Covid for rising prices!😵‍💫..meanwhile a friend who lives in the same area, much older house, lives away and airbnbs it paying 1100. In any case, I was not only shocked but furious. I moved on to another provider and am happy.

They just pulled my insurance because I’ve started a small home business. 29+ years with them, not a single claim and I get terminated. Avoid them… used to be a good caring company… terrible service and no return for loyalty these days.

Employees have poor etiquette and a lack of patience. Payout isn't within a reasonable time. Would not recommend at all.

When Cooperators wanted to "inspect" one of our homes they "sent" a "professional" to do that. But that "professional" merely called to ask questions then requested photos & did not actually go to the premises. We duly sent photos and she forwarded a report to the Cooperators who then gave us a list of what they wanted "repaired," including a roof replacement. At the time we had serious issues taking precedence: a dying parent, upcoming surgery, and Covid. They gave us a year to comply but Covid continues and now they've sent a letter to say they're not renewing the coverage. We're claim and mortgage-free and have had 4 policies with Cooperators for 2 decades OMG...

I had a flood in my home on March 14th. Called in was told this is a Sun so no one can help me until Monday. Was never asked about my family nor myself having anywhere to go. Monday phone again was told to send in pics and file out claims sheets. Did as I was told. Still not no concern. Had no stove. All appliances were damaged, asked about meals was told they cover 75% of meals and I would have had to buy grocery anyways and not to go overboard with ordering food (nice eh). When I finally got a settlement, I was given not even half of what my claims was for and told they are not just going to give me money as I may not replace all the things. So they will give me this money and if I spend more they may see about giving me the difference. This is my second claim in 22 years. If I could financially afford to pull my policy with these people I would in a heart beat. The flood was disheartening enough without this bull. If I could give them any lower rating, trust me I would.

After 12 years with Cooperators with 0 claims, I got a renewal policy with a 40% increase on my home policy and a 30% increase in my auto policy. Attempts to negotiate reasonable rates with them did not work and of course, other insurance companies did offer more competitive rates.
Called to cancel 1 day late and they are charging me an obscene termination fee of $510 dollars.
After spending 45 minutes on the phone they couldn't provide me with the information of how the cancellation fee is calculated and it is not stated in the policy document either under the cancellation section so very very shady practice to put it in mild words.
I honestly would have expected a bit more sympathy after 12 years with zero claims.
From my perspective, they really don't care about you as a customer and will rip you off at the smallest chance available.
I cannot imagine what would have happened if I had had a claim.
I would stay away from this company.