TD Insurance Home Insurance Reviews

TD has been sending our mail to the wrong address and so we did not know it was renewed. Somehow they managed to get a past due bill to our correct address. I called to request they backdate the cancellation.
I had to sit on the phone for over an hour and a half and go through 3 separate agents before anyone would help me. The first agent refused to help, the second agent put us on hold for over 30 minutes. Third arranged manager call back.
Unfortunately, the manager, Bo, was the worst yet. He admitted they'd been sending our mail to the wrong address. He admitted the experience I had was inexcusable. When I asked how they managed to get a bill to the correct address, he had no answer. He admitted he had the ability to backdate the cancellation, but he refused to because he said it didn't warrant it, even if we never received any documents.
We've filed a complaint with the better business bureau. Avoid TD Insurance at all costs, especially the Halifax branch.

I sent my renewal to this company via online banking and they can't find it! I am a teacher and am accustomed to professional service. I have had insurance with these people for over 20 years and will definitely CANCEL my policy. No one knows what they are doing on the phone.

When I first switched to TD they were great. Now they’ve outsourced and I’ve had nothing but trouble. I called to get a quote on a new policy as we were considering purchasing a new property. They made the policy effective immediately when it was only supposed to be a quote. AND they cancelled my existing policy! When I called to correct it, they made me go through the entire questionnaire as if it was another new policy. I kept saying, I just want my policy reinstated, nothing has changed, but they still made me go through it all again.

I purchased home insurance from TD prior to going overseas for a 2-year volunteer placement in Myanmar. I asked to pay the 2 years upfront and was told no problem for autorenewal. TD had my contact and my financial info. After the first year, my insurance was not renewed. I received no phone call or letter to Myanmar (understandable) but no email telling me to contact them, which is not right. When I returned, I was told to pay a penalty and they would reinstate insurance. I paid but then was told I had to wait a year for renewal because now I was a "bad risk". Trying to get insurance elsewhere now meant I would have to pay triple the normal amount as a bad risk. So I waited a year, contacted TD and they said they could not insure me because I had not had insurance for a year! I talked to numerous people at TD and none were willing to see what a ludicrous situation this had become. Thanks to TD my rates will be much higher than my previous impeccable payment record deserves.

Never use TD insurance as it is there to collect premiums only and god forbid if you have a claim they will rip you off by working with contractors who report only what TD wants them to report. I have been a customer of TD insurance for more than 15 years. Experienced a sewage backup that has destroyed a portion of my beautifully done basement. The sewage backup occurred twice due to a city pipe egging. To my horror, the TD representative was not only very difficult to work with but blatantly ignored facts to connive with the TD contracting agency (Integricon) and make a decision to not cover just expenses. I highly suggest customers not consider TD insurance as if you get a claim you are in a lot of trouble with representatives like mine who are out there to minimize expenses for TD despite legitimate customer losses you will be left to pay large amounts from your pocket.

Our shower recently had a flash leak. We hired a restoration company to do up a report, yet, that wasn’t good enough. TD wanted a plumbers report, so we paid to have that done & his report was the same conclusion, a sudden leak. Both the reports were submitted like requested, both were deemed unacceptable & refused by TD. We’ve jumped thru hoops like they asked, yet a rep sitting behind a desk in Halifax by the name of Victoria Snow decided she was a professional plumber herself & denied the claim. We are now filing a complaint. We even had a video showing how fast the water was flowing out & it would be impossible to ignore, but of course, she refused to watch the video. We pay good money for insurance & TD has been a total rip off. It’s also a 2 hr wait if you try to call. Stay away from TD insurance if you know what good for you. Worst insurance company ever & very rude “know it all’s”.

Pathetic pathetic phone wait...

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!

Called and waited 1hr 40 mins only to get disconnected! If you can't answer your phones in a timely manner hire more staff, have a callback service or have a call scheduling app. This is unacceptable, I switched to TD because my last company had the same issues and I'm considering switching again as clearly they don't value my business!😡 they're blaming it on covid but it's been over a year, plenty of time to adapt

They don't care about customers at all, they cancelled my policy without informing or attempting to know the reason. After chasing for 4 weeks I was told it has been declined and let's not mention the average wait time of 1.5 hours every time you call TD insurance.