Cooperators Home Insurance Reviews

I am currently shopping for new home insurance because based on quotes I am getting, the Co-operators are charging me over $600 more per year for the same coverage with another 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 father's roof started leaking the day after Mom passed away. Cooperators sent 4 guys out to look at it a few days later. He got a call from a lady saying the damage to the roof was covered. Four weeks after, with no calls and no answered calls he paid someone to do his roof because he didn't want further damage done. Finally got hold of someone who told him that now they would have to send out "real roofers" to see if the roof would be covered under insurance. So the 4 guys who were there taking pictures and were going to be the ones doing the roof are not real roofers?! This has been a nightmare for him. He probably won't hear from them again until he gets a lawyer. Stay away from this company!!! Your insurance policy isn't worth the paper it's written on!!!

Had a claim for smoke and appliance damage in the Fort McMurray fire and they said my insurance wouldn't go up much but it nearly doubled from 3000 to 5700, what a joke of a company

I insured my home with Cooperators for 13 years because I had my auto insurance with them. Twice I had damage to my home that was caused by extreme weather, it should have been covered by my policy, but both times an adjuster was sent, my premises evaluated and photographed and then my claims denied. I then had to pay out of pocket for serious repairs, not knowing where to go I asked the Cooperators adjuster for a recommendation. I contacted the recommended contractor and ended up with poor workmanship, unresolved problem and a large bill. If you enjoy paying inflated rates and receiving no claims support, this is the company for you! Just be aware that when you find a better price elsewhere that gives better coverage, Cooperators will penalize you heavily financially for leaving anytime that is not in your renewal month. I recommend you go anywhere else.

We had all our home and auto insurance with the co-operators for 35 years and have never had a claim on our home policy. We paid them $1,750 each year as premiums. Recently, a seal in our dishwasher ("water container") failed and caused a flood in our condo. Fortunately, I was able to contain the damage to hardwood flooring in an adjacent room and one sink cabinet. Total damage under $3,000 but they denied the claim.

This was the first time, we needed this insurance company but they ran away - said it was a "slow leak" and therefore not covered. Too bad so sad. This was based on findings of mould under the cabinets. On investigation as we did the repairs, the "mould" was stains that are more than 15 years old, dating back to a water leak the previous owner had in the kitchen.

I wasn't even sure that for the small cost of the repairs that I would even file a claim. However, correspondence from the adjuster on this claim bordered on rude and threatening if we considered pursuing this. Even if they believed there was an old leak, one would have thought they might have the common sense to consider the discretion of covering it anyway, given the small cost and the fact that the cause of "mould" could be uncertain. But common sense and discretion are absent with this company. Even a bit of politeness in correspondence might have gone a long way to retaining business.

With this experience, I can never trust this company ever to be present if needed and have move all my business to another company. For the cost of less than 2 years of premiums, the co-operators has lost my business forever.

I have had insurance with co-operators for 22 years with no claims.
When a tree branch fell onto my garage roof and damaged it, they sent many people to check it out the same day.
After assessing that the repair would cost $2000.00, I only had to to agree to pay a $1000 deductible and agree to a 20% increase to my rates for 5 years, because i am now a bad risk.
Wow- what a good deal--NOT!

Legitimate claim denied right away, rude customer service, didn't pick up a phone after claim denied. Rates are higher than average. In general - awful, stay away!

I am extremely unhappy with The Cooperators' terrible customer service & failure to pay claim. They were supposed to cover my Additional Living Expenses while I was unable to live in my condo for over 5 1/2 months. They paid for less than 2 weeks, & have refused to pay for the rest. It has been over a year since the claim was made, with no resolution. When they are not busy ignoring my claim, they have been fighting me tooth and nail. To get this claim resolved, I will now have to file a lawsuit against them, further increasing my out of pocket costs. They also have significantly raised my rates with a "claims surcharge" for a claim that was never paid in full.