Philadelphia Contributionship Insurance Company
Philadelphia Contributionship Insurance Company
in Flood Insurance from The Philadelphia Contributionship

Philadelphia Contributionship Insurance Company

in Flood Insurance from The Philadelphia Contributionship
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Philadelphia Contributionship Insurance Company to your friends?

Thanks for your vote!

You voted: May or may not recommend

Financial Strength Rating A

Philadelphia Contributionship Insurance Company Review

Philadelphia Contributionship Insurance Company is an insurance carrier based in Philadelphia, PA. The company was founded in 1776 and offers flood insurance in 5 states in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage. 

Philadelphia Contributionship Insurance Company FAQ

What types of coverage does Philadelphia Contributionship Insurance Company offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Philadelphia Contributionship Insurance Company offers both types.

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

Excess Flood Coverage: Some carriers offer this policy to homeowners who need more than the $250,000 of dwelling coverage offered by NFIP flood insurance. Excess flood coverage can also provide additional protection for valuables or expensive home upgrades not covered by standard flood insurance.

  • Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.

  • Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

Philadelphia Contributionship Insurance Company customers can also add the following riders or endorsements to their home insurance policies:

How can you save money on a Philadelphia Contributionship Insurance Company home insurance policy?

When you ask for a quote with Philadelphia Contributionship Insurance Company, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
  • Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.

    Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Philadelphia Contributionship Insurance Company.

    What additional benefits does Philadelphia Contributionship Insurance Company offer?

    Philadelphia Contributionship Insurance Company offers the following benefits to its customers:

    • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

    What is the financial strength rating of Philadelphia Contributionship Insurance Company?

    The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

    Philadelphia Contributionship Insurance Company scores an A or excellent, which is SuperMoney's second highest available score.


    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Message From Philadelphia Contributionship Insurance Company

    Many insurance buyers don’t realize that floods aren’t typically covered by their homeowners policy. To be properly protected in the event of a flood, owners need to plan ahead via a separate flood insurance policy. TPC offers two options when it comes to the coverage provided by the National Flood Insurance Program (NFIP) policy form. Both options offer the same exact coverage, but they do it in two different ways. 

    All of the private flood policies in this program are backed by an A-rated syndicate and coverage features match exactly with the NFIP policy. The two big differences include both pricing and eligibility. The coverage and policy form from our private flood program is identical to the NFIP policy form. If your home is eligible for private flood insurance through our program with Aon Edge, the annual premium can be as little as 50% of that which is available through our standard NFIP flood program. Many of our TPC agents can assist in quoting private flood coverage and determining your eligibility.


    Hours of Operation

    • Sunday Closed
    • Monday 8:30am - 5:00pm
    • Tuesday 8:30am - 5:00pm
    • Wednesday 8:30am - 5:00pm
    • Thursday 8:30am - 5:00pm
    • Friday 8:30am - 5:00pm
    • Saturday Closed

    About Philadelphia Contributionship Insurance Company


      Available in 5 states
    • Delaware
    • Maryland
    • New Jersey
    • Pennsylvania
    • Virginia

    Feature Breakdown

    Property Discounts
    • Flood Zone Designation
    • Freeboard (Property Elevation Above BFE)
    Home and Renters Insurance
    • Personal Property Protection
    • Dwelling Coverage
    Home and Renters Insurance Riders
    • Flood Coverage (Federal)
    • Excess Flood (Private)
    Financial Strength Rating A
    Carrier Features
    • Locally Available Agents
    • Paperless Billing

    Be the first to rate


    Would you recommend Philadelphia Contributionship Insurance Company to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    (will require moderator approval)