TD Insurance Home Insurance Reviews

I would highly not recommend this company for any insurance. I was with this company for 10 years. I had my auto and home insurance with them. I was paying double the amount for insurance. They don't recognize the value of customer and their business . They just need their money. I am happy i moved out from them and learnt my lesson. I did a little bit of shopping and got a way less insurance. My best advice to all is do your shopping for insurance before every renewal it will save you a lot of money. I would not recommend td insurance for anyone.
Thank you.

I made a claim in April 2016 due to a windstorm blowing shingles off of our home, and were given to ClaimsPro through TD. We had a roofing company come and quote the damage, but the claim was "closed" due to the damage being less then our deductible. Come July our insurance renewed and our monthly payment went up $50 a month, when I called to ask why I was given to a ton of different people before finding out over a month later that they were claiming the claim under our name because they had to pay the roofing company to come quote the damage as well as ClaimPro for dealing with our claim. My overall experience was horrible, I never talked to the same person twice and was never called back. Do not go through this company, I switched to Statefarm and have had an amazing experience with them so far. I am paying almost $200 less a month for car and house insurance.

I have just cancelled all policies with this company. I had four properties and a tenant package insured with this firm. I also had four automobiles insured with them. There was one claim on a property caused by a tenant who flooded the ceiling in the apartment below.This is the only claim in approx. five years of coverage. During this claim I had to do the emergency work myself as this occurred on a weekend. Once the adjuster did come he was very friendly and quite fine to deal with. However, the damaged caused to the apartment below consisted of a collapsed ceiling kitchen and floor damage which made the apartment unlivable. The contractor was unavailable for 3 months. I had to do the work myself. Next point is that my policy went from $1800.00 per year to almost $7000.00 . There should be a law against this as they are bandits.I am a retired Police Officer and many inmates are far more honest than these people. I cancelled my insurance and had to pay a substantial fee. The co-Operators insurance saved me over $3000.00 and were happy to get my business. This was on just one property. They also cancelled my cottage insurance and tried to charge me a fee to cancel although they were cancelling the policies as they would not insure the cottage without the home, they were charging over $3000.00 a year more for . Insurance companies are out of hand.Their profits are enormous. The consumers need some protection against this behaviour . Politicians talk the talk but really do nothing to help they are just a lip service for these white shirt thieves.

Worst company I have ever dealt with my wife called 3 weeks ago to cancel our car and truck insurance . After waiting on hold for 30 minutes they informed her that she could not because the vehicles were in my name, that night I was on hold for 40 minutes and then it just hung up.
I called again 2 weeks later and again was on hold for 48 minutes finally some one came on and we proceeded to do the cancellation, at this time they informed me that I would be charged a extra months payment on each vehicle because I was 5 days away from my payment which meant instead of $180.00 in 5 days it now is going to be $360.00. Highway robbery. I even explained to the girl how many times I called.

When I bought my house 5 years ago I went with TD because the last owners were with them and the price seemed reasonable $90/month. Within 2 years they raised my premiums to almost $200/month and I have never filed a claim. I lost my job 2 years ago and was having a very difficult time making ends meet. I called all of my creditors and explained my situation and they were all willing to cut me some slack and give me a few extra days, including my mortgage lender. But not TD. I called to tell them that I would be ONE DAY LATE! and they told me that if I was ever late again that they would cancel my policy and I would be liable for the balance owed. Recently there was a leak in the roof and it took them a week to send an inspector. I was told that if the leak was due to the roof being in bad shape they would not cover it, but if it was due to shingles being blown off the roof they would cover the cost of the resulting damage, but not before I paid a $1000 deductible. They called me yesterday to tell me that they couldn't help me because according to the report there were no shingles missing, despite the fact that I pointed them out to the inspector!!!

I got my insurance renewal, with $800 additional for sewer backup (and only up to $15000 with $2000 deductible. The ice damming coverage is $130 a year. Are you kidding me?

Also, a half duplex rental property for $342 per year, just for sewer backup?

TD raised my rates to the point where it was 15% less to switch to Square One insurance. Square one has better service and are reasonable human beings to speak with one the phone or by email. I cancelled the PAP program with TD Insurance first, paid the balance owing out on my Visa, and told them I once my policy was up, I was switching companies.

They made a mistake on the amount they charged to my Visa and rather than tell me, they just took one more PAP payment off 2 weeks later. This caused my account balance to dip below $5000 and huge fees incurred. The branch credited the fees and reversed the unauthorized PAP. When confronted, TD Insurance said they had every right to debit my account even thought I revoked their access. They had the nerve to charge me a late payment penalty (even though they miscalculated the amount I paid out on my visa) which I reluctantly paid to get rid of them.

Finally my policy expired and I signed up with Square One but I get a letter in the mail saying I owe $815 as my previous policy automatically renewed. I called right away to say I didn't consent to renewal and to reverse it. I was told I would have to pay a cancellation fee! Cancellation fee for an expired policy ? They claim they mailed a renewal notice. I didn't see one and I have every document from them in a folder going back 7 years.

They cannot show me any place in my policy that says the policy automatically renews. I'm currently still fighting with them over $120 cancellation fee and they are threatening to send their claim to collections.

You need to have trust in your insurance company. They were dishonest with me, broke rules, and went to unscrupulous measures to extort every possible dollar they could creatively justify taking. Measures very similar to that of a con artists or a telephone scam. It almost seems the company aim is to hire these sorts of employees and train them to use these tactics to increase revenues. The company is completely unreasonable. Not a quality you want in an insurance company. I have never had a claim. My deductible is so high, the only time I would is if my house burned down which statistically speaking is very unlikely. They should be treating me like a king for giving them 60- 90/month over the past 10 years.

My home insurance with NO claims has almost tripled within the last three years. i had my roof redone in 2012 they said it would save me some monies, instead right after that the rates started increasing. The first increase was the year before the flood in Calgary. When I called there was no explanation except they were getting in line with other insurance companies. The next year the flood in Calgary happened, I live in Calgary I was told it was not because of the flood, as insurance companies here in alberta do not cover natural disasters, the province has to pick up those costs. True. So why? No answer this time, was told a manager would call me back. Never happened. This year I see another increase of of almost $300 a year. I have yet to call as I am so pissed off its ridiculous. I have been with this company two vehicles and home insurance for over 15 years. No more I am quite confident I will find insurance with the same or better coverage for what I am paying for now.

Contacted TD regarding insuring 3 properties(2 owned by Fiancee and 1 by myself) Received good quotes. Decided to go with insurance, issued debit information. Then quote changed. The back and forths continued hectically because after the original quote, I cancelled my previous policy, and was now without insurance. After reading several things online, and after I had my quote baited and switched on me, I decided not to follow up.

Expecting paperwork, or a follow up thought nothing of it. Despite the fact that they never actually spoke to my fiancee(ie owner of the properties) , any type of signature, or anything.... they just started taking money. Over $2000 for insurance we already had elsewhere.

Similar to other stories I have seen on here, when I started out with TD home insurance in 2010 my policy was $437 for the year, which by 2014 had increased to $ 1485 for the year. As an example - from 2012 to 2013 it increased by $266, despite never having filed a claim and no changes in the policy.
I am almost certain I'll see yet another increase when I get the renewal papers sometime in the next month, but I am DONE! When comparing insurance with many of my neighbours we are paying $600 -$700 more annually. It is time to shop around, and say good bye to these thieves.