Cooperators Home Insurance Reviews

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...

I had a flood in my home on March 14th. Called in was told this is a Sun so no one can help me until Monday. Was never asked about my family nor myself having anywhere to go. Monday phone again was told to send in pics and file out claims sheets. Did as I was told. Still not no concern. Had no stove. All appliances were damaged, asked about meals was told they cover 75% of meals and I would have had to buy grocery anyways and not to go overboard with ordering food (nice eh). When I finally got a settlement, I was given not even half of what my claims was for and told they are not just going to give me money as I may not replace all the things. So they will give me this money and if I spend more they may see about giving me the difference. This is my second claim in 22 years. If I could financially afford to pull my policy with these people I would in a heart beat. The flood was disheartening enough without this bull. If I could give them any lower rating, trust me I would.

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.

The payment didn't go through on my credit card. Cooperators proceeded to bill me 4x over for the single month. When I called to tell them they've billed me 4x over, they got one of their attack dog employees who probably doubles as a loan shark to start yelling at me about paying insurance. Dropped this company immediately afterwards.

3 hours on hold, 1/2 hour talking to customer service, the issue not solved, have to call back. Not going to happen my time is more important. Sent a request via email, promised a response within 24 hours, NOTHING.

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.

We put in a claim 2 months and despite many calls and emails, we have not yet had this claim resolved. I guess it’s true what they say, insurance is only until you need to use it. We have been excellent clients for the Cooperators for 10 years + and not have not in a claim before. This is how they treat their clients? What are we paying hundreds of dollars for certainly not service! NOT impressed with Cooperators Insurance!

We are currently with Cooperators for Home and Auto. We had an auto claim and they were decent to deal with but didn't give us a fair value for our car (which they claim was totaled). Our main gripe is home insurance. We went with them because they were the cheapest when bundling - big mistake! We bought a house a month ago, and we're still dealing with Cooperators demands. First, they tried to get us to do a bunch of complex paperwork because we had a wood-burning fireplace - turns out the agent thought we said stove, and we only needed a WETT inspection (which we had). Now, they want every minor comment from the home inspection fixed within 30 days or they will cancel our policy. Not actual risks mind you, but things the inspector mentioned we could do in the report over several years. Their agent keeps emailing and calling us to check in on our progress and is very condescending. Worst of all, after we've done the work, they don't trust us when we tell them we've done it. If it didn't cost an arm and a leg to switch, we would have by now.