TD has been good on the couple of car and hail claims I've had, but I too have heard they have really clamped down lately to try and recover from flood losses. The difference in premiums is almost $1,000 for house and auto now and worst of all they have a limit of $25,000 for sewer backup.
Travellers appears the cheapest as I understand they are hungry for business. Would love to know if they are as good as TD to work with.
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