Philadelphia Contributionship Homeowners Insurance Review & Ratings (2022)

The Philadelphia Contributionship offers homeowners insurance and other types of property and casualty insurance coverage. Homeowners insurance policies with Philadelphia Contributionship allow for flexibility from one policyholder to the next. Philadelphia Contributionship has an A- (Excellent) rating with A.M. best but a D- rating with the Better Business Bureau.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 20, 2022

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The Rundown

  • The Philadelphia Contributionship offers homeowners and other types of property and casualty insurance
  • The Philadelphia Contributionship has been in business since the mid-1700s
  • A.M. Best has given The Philadelphia Contributionship an A- rating with a negative outlook

The Philadelphia Contributionship is an insurance company that offers homeowners insurance and other types of coverage to its policyholders in different states across the U.S.

The Philadelphia Contributionship has been in business since 1752, making it one of the oldest insurance companies in the United States.

If you need homeowners insurance, you’ll want to find the best insurance companies based on your unique needs.

Coverage for homeowners insurance shouldn’t be too expensive, and you can shop around for the best deals by looking at quotes online.

In fact, you can use our free quote tool above to find and compare homeowners insurance quotes from top companies in your area today.

What is homeowners insurance like with Philadelphia Contributionship?

The Philadelphia Contributionship offers homeowners insurance across the United States.

The company will allow individual policyholders to create unique coverage that works best for them, but every policy typically includes both insurance perils and liability protection.

Under the umbrella of insurance perils, Philadelphia will cover a natural disaster—such as a fire or tornado—or from another person’s actions, like vandalism or theft.

With liability protection, your insurance will cover you if someone else is injured on your property and will also cover any medical or legal fees associated with an accident.

Homeowners insurance with Philadelphia Contributorship will also cover any non-attached structures on your property, like outbuildings, barns, sheds, fences, and walls.

The Philadelphia Contributorship prides itself on offering full and complete coverage at affordable rates. The company offers quotes on its website and also offers an option for interested individuals to speak with an agent.

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How much is insurance with Philadelphia Contributorship?

Insurance rates with Philadelphia Contributorship vary greatly depending on a number of factors, including:

  • Your ZIP code
  • Your credit score
  • The cost of your home
  • The age of your home
  • The amount of coverage you want

You can learn more about your homeowners insurance rates if you contact an agent with Philadelphia or use the company’s online tools to see how much your insurance coverage would cost.

To get a better idea of how much homeowners insurance would cost in your area, take a look at the table below, which highlights average annual homeowners insurance rates in every U.S. state.

Average Annual Homeowners Insurance Rates by State

StateAverage Annual Rates
Alabama$1,433
Alaska$959
Arizona$825
Arkansas$1,373
California$1,008
Colorado$1,495
Connecticut$1,479
Delaware$833
District of Columbia$1,235
Florida$1,951
Georgia$1,267
Hawaii$1,102
Idaho$730
Illinois$1,056
Indiana$1,000
Iowa$964
Kansas$1,584
Kentucky$1,109
Lousiana$1,968
Maine$882
Maryland$1,037
Massachusetts$1,488
Michigan$942
Minnesota$1,348
Mississippi$1,537
Missouri$1,285
Montana$1,174
Nebraska$1,481
Nevada$755
New Hampshire$972
New Jersey$1,192
New Mexico$1,017
New York$1,309
North Carolina$1,086
North Dakota$1,253
Ohio$862
Oklahoma$1,885
Oregon$677
Pennsylvania$931
Rhode Island$1,551
South Carolina$1,269
South Dakota$1,202
Tennessee$1,196
Texas$1,893
Utah$692
Vermont$918
Virginia$999
Washington$854
West Virginia$940
Wisconsin$779
Wyoming$1,156
Countrywide$1,211
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You’ll notice from the table that insurance rates for homeowners coverage are extremely different from one state to the next. And keep in mind that your rates could be higher than your state’s annual average for coverage.

If you want cheap homeowners insurance coverage, you can ask different companies about discounts you may be eligible for, including bundling insurance coverages or adding safety features to your home.

Is it easy to make claims with Philadelphia Contributionship online?

If you have a homeowners policy with Philadelphia, it is very easy and simple to make claims and payments with the company online.

To make a Philadelphia Contributionship payment, you will need to access the key on Philadelphia Contributionship’s website. This portal will let you make payments easily and securely.

You can make a claim on the company’s website as well by using your Philadelphia Contributionship login and accessing your policy. All agents can use The Philadelphia Contributionship agent login to access the necessary information for current and potential policyholders.

As stated previously, the Philadelphia Contributionship also offers insurance quotes directly on the company website, which could help you as you do more research to find the best and most affordable options for homeowners insurance in your area.

Does Philadelphia Contributionship have good ratings and reviews?

Philadelphia Contributionship reviews and ratings are prevalent online, and you can learn a lot about the company’s history and future outlook by digging a little bit deeper.

A.M. Best has given Philadelphia Contributionship an A- (Excellent) rating when it comes to financial strength, but the company’s overall outlook is considered negative.

The Better Business Bureau (BBB) has given Philadelphia Contributionship a D- rating, citing a failure to respond to the complaints of its policyholders as the main reason for such a poor score.

Customers have reviewed Philadelphia Contributionship on the BBB website as well, and the company has received one out of five stars for customer reviews.

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What’s the bottom line with Philadelphia?

If you’re looking for homeowners insurance and you want to explore all your options, it’s not a bad idea to look into how much you’d end up paying for a policy with Philadelphia Contributionship.

The company’s future negative outlook and D- rating with BBB should make you think really hard before you make a decision to choose Philadelphia as your insurance company.

You should never choose insurance after looking at just one company. Be sure to continue comparing quotes to find what works best for you. And you can look to see which companies offer the most affordable rates.

You can start by using our free quote tool below to compare homeowners insurance rates from the best companies in your area.

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