TD Insurance Home Insurance Reviews

The TD house claim department is totally unprofessional. I called and sent multiple emails to the claims agent for updates and they never responded.
I've been a client with them for 20 years and this is my first house claim and they are not able to handle it in a professional manner. Extremely disappointed with the client service.
I called and emailed the claim agent Laurence A and her Manager Sonia M and until today no response from either one.
I can conclude that the management is not doing their job at managing their staff.
These are the people that I would never hire as part of my staff.
I do not recommend this company!

We have to pay late fees when TD is at Fault! We tried to call for weeks and we had to wait for weeks not knowing if our policy is renewed and then when they finally call, they were rude and condescending and totally take no responsibility for their actions and simply blame the whole incident conveniently on Covid-19, this is totally deplorable that TD would use that as an excuse for their mess and poor service, in face TD poor service proceeds the pandemic!

TD Insurance is definitely an unethical company. On my first call for a quotation, I got a fairly low price for home insurance pending home inspection. After a home inspection, they did not call or write. Close to my start date, I called and found out that they have more than doubled the quoted price and the only reason is that the cost of rebuilding if needed is higher than they had quoted. I believe that they should have known all this during the initial quote as they had my house address, house size, roof material, etc. The home inspection did not turn out any discrepancies to our initial conversation. I believe they purposefully underquoted. These are bait tactics that prevented me from shopping and checking quotes from other companies. TD Insurance is definitely unethical. I will not start my policies with them as I can't trust them to keep their promises if an unfortunate event is to happen. PS. Also, they promised to call back within 24 hours with more explanation about the reasons for the policy change but never did. That was more than 7 days ago.

Everything is fine until you have a claim. Unable to speak to anyone, no follow-ups, running after the money they owe us, ghosting us after complaints and outright lying to us that they did not receive documents from a month ago. Overall very stressful and frustrating to say the least. We have been good clients for over 10 years but will never go back. Still waiting on our claim though…

My representative stated that they would give an estimate last Friday over 1.5 weeks since the accident. We sent him numerous calls and emails and nothing! As though he ghosted us. Not impressed at all!

I wish I could give negative feedback. Terrible service. After 20 years in TD insurance, first claim, 2 months no response. Called adjuster, emailed adjuster. No response from TD insurance! Terrible!!!

Beware if in western Canada. They assign you to a rep in Halifax. Time zone makes it difficult to connect. Incredibly poor service. They used the cheapest contractor who made things worse with their work. When I filed a complaint about the poor service they handed the complaint to the person who provided the poor service. She did not care at all. TDI does not care at all. I ended up using my own contractor to do rework.

We are 4 months into our claim, big claim after complete house fire, and it has become a literal full time job. TD does not answer phone calls or emails even with "direct" lines to your supposed adjuster. Our current adjuster, there has been more than one, is located in Halifax and has never even seen our home yet is making huge decisions concerning it. We are fighting them 100% but this is NOT what we have been paying home insurance for more than 10 years for. Our rent is due today (TD is obligated to pay this as part of our coverage as our home is rebuilt) and they have yet to transfer the needed money. Do yourself a favour and learn from our mistake. DO not sign up with TD. When this claim is completed we will never, ever use TD again and have begun telling anyone we can about this despicable company.

If you’re calling to spend money they have dozens of people on the line to speak to. If you’re calling to submit a Claim they’re short staffed.

I had a bad experience with the TD home insurance, they disallow the customer to change the house sold closing date even though before the first closing date calling, but try to recommend you re-quote and increase my insurance fee and early cancel fees charging also.
They never solve the issue, few times called, the agents let me wait within 48 hours underwriting department responded, but nobody calls you back, from Nov 30th to Dec. 10th, the manager never speaks with me when I requested a few times.
It's a really bad insurance company, I cancelled all of the insurance in the, for sure it will end their service forever, I will let my friends and relatives change the company because it will cause more trouble someday.
It should get 0 stars.