TD it is.  
Called them to confirm the rate.   Total is $411 including tax.  
    
includes 
-replacement cost of the house 
-sewer back up.
-personal contents
-million liability
As I stated earlier, my old insurer quoted $1100 for the same policy.  
Other benefits :
-TD, I get a live person on the phone within minutes to ask any questions every single time I called.    My old insurer (and they are a large company as well), would never answer her damn phone, and would always send me an email back hours later.   I'd rather deal with a live persons and ask questions.
-TD did the "questionaire" over the phone regarding my property.  My old insurer faxed me the document, made me fill it out, and bother faxing it back.
-My old insurers deductible for this policy was $1000.    TD's is $500
TD hooked me up in minutes after paying by CC over the phone and my policy takes effect immediately.   They emailed me my policy within seconds, and said I would get printed documents in the mail within a few days.
THIS IS SERVICE, PEOPLE!     THANKS TD!
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