Cooperators Home Insurance Reviews

Do not look to purchase insurance with this company for home or condo. The company provides an extensive list of max insurable limits in the quote, making it look like you have comprehensive coverage. When you actually look at the policy after receiving it if you're alert or worse after an incident, then you'll soon find the list of common exemptions is a mile long and covers nearly every possible instance in which you'd ever use the insurance you pay for. The adjuster I dealt with was rude and unprofessional. They were unable to cite a line in the policy for me to review it, and repeatedly called me the wrong name even after correction. If you want to waste 6–7 hours going back and forth over insurance policy and builders reports only for them to not provide their own documents, be my guest.

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.