Cooperators Home Insurance Reviews

Tried getting a quote and was told we can only do so over the phone--no emails whatsoever (I work nights, and this is pretty much impossible to do during regular business hours). After 3 weeks of going back and forth with information, I was told that the "insurance records" showed that my husband and I did not have any current insurance on our apartment or car, and that I had apparently only been insured under my vehicle from 2006-2008....I told him that is impossible as we have been paying insurance on both vehicle/apartment for 3 years, and that I have been insured and paying car insurance every month for over 14 years. After speaking with our current insurance company, we were told we are intact insured, and have been in the past.

A representative insisted it was not a problem on his end, and that the records don't lie. Kind of odd since i have banking statements for years showing Insurance payments coming out of our bank accounts.

This company tries to rip you off for sure!

After being assured by the agent that I was covered for everything and being sucked in to that warm fuzzy feeling, I found Co-Operators to be full of it. I insure everything I own with Co-Operators and have never had a claim. I pay them over $14,000 a year in premiums.( I own a lot of stuff.)
I had about an inch of water in my basement when some of my neighbours had 6 feet. It came in through a window well. Minimal damage but I thought I would use this a a test for them. No one from Co-Operators ever even came to my house when I got a letter saying I was denied the claim because the damage was caused by rain water. Co-operators is history with me now. Don't believe anything they say about multiple lines of insurance will get you better treatment. Remember NO insurance company is your friend. You have to play hardball with them

I'm renting my building out so I was able to get flood insurance as a business. After the recent Calgary flood that caused major damage a cooperators adjuster came unannounced while I was out and when I came back started telling me how old everything was and that it's hardly worth anything. He could depreciate everything by 75% etc. but won't do it and only depreciate 50%. Now, I clearly did not buy the policy to have only 25% of the building covered. Those are bully tactics and they are clearly not acting in good faith or are instructed to do so.

When I called to advise I was getting the foundation repaired my insurance went up over $500. I was not putting it through insurance but asking if I needed any additional insurance while the construction was occuring, which I was advised I didn't.