Cooperators Home Insurance Reviews

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.

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.