Unfortunately last year I had to put in the first claim in my life (lost my pool and fence) and lets just say that it was not a good experience. Plus to top things up the Claims rep was, well lets just say very cold and firm (I do have other words to describe, but).
Pool guy in town told me he had over 26 pools that went down that winter, most got coverage and assistance, not me !!
Been with TD Meloche Monnex since 2004 and just thought they were the best thing since sliced bread, not so !!
Following year House coverage next to doubled in price and no way to negotiate anything with them.
Now with Personal in Ontario, saved a lot of money. They would not insure Mustang though so with Hagerty on that one.