Cooperators Home Insurance Reviews

Upon receiving renewal policy for this year I see over a 25% increase . So over 35%in the last 3 years.

Claims free and a client for 20 plus years. My insurance should be decreasing by rights.

On contacting them I was informed that it was due to inflation... 35% in three years....

Pure and simple GREED.

Just a disgusting company.

DO NOT USE THEM!!!!

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.

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...

My home insurance was automatically renewed without notice. I called to inquire about my home insurance a week after it had already been renewed. I informed the representative that for a better policy another insurance company had offered $800 less than what the Cooperators had renewed my Policy for. He told me that the Cooperators had many claims the previous year and so as a community insurance company prices increase for all their customers. It is important to note that I had made no claims ever. So I told him seeing that I had not notified of the renewal and since it had only been a week since the policy renewed that I wanted to cancel it because an $800 difference was way too much for me to absorb. I was then told that I would have to pay a penalty of $288. I found this amount unjust. I would have understood a nominal fee but not $288 for 1 week of insurance. I am happy to say that I left the Cooperators for another insurer and I am not looking back.

During the Covid-19 lockdown, we were sent a letter stating that our premiums would remain in effect until after the lockdown because of the pandemic. So we assumed that our coverage was extended through the pandemic. We called today to find out that our home insurance was actually cancelled in the middle of the pandemic without us knowing. They asked if we did not receive an email (we didn’t). As we tried to renew our insurance, the customer service representative said it was time to close as it was 5 pm and we would receive the quote on Monday instead. I would have been okay with waiting but the time was actually 4.55 pm. In my case, I would have been alright with her just saying they would find a new quote by Monday but claiming they were closed was almost like saying they don’t care about my insurance needs. I used to be with another insurer and they treated us much better than this. Any insurance company that cannot make their customer feel valued is not one I feel comfortable with.

I renewed my apartment insurance, an agent gave me the price for the year, I paid in full the same day. A month later I get letter says I owe money, I called and they said: "oh, that is a form letter so I don't actually owe that money". Then the agent checks my account and comes back with: "well, you do still owe money as the amount you paid for year was calculated wrong so you actually owe..." I felt this was not my error, and how many other people had this happen to? I spoke with a supervisor she just said: "well, it was a human error"... I said - if I hadn't called I would never have known! She said eventually they would have audited and I would have been notified, I asked: "when do they audit?" She said she couldn't tell me. Will be changing my company next renewal...I would now but can't cancel without $ penalty. So, for this company, they are pleasant when taking your money but not so when the error is theirs. Buyer beware!