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Do you have an older home and are looking to save money on insurance costs?  At the time of a loss or damage to your property, would you accept replacing plaster walls with modern drywall, or a hand carved banister railing with a milled one from a lumber store?  By selecting Functional Replacement Cost, not only does the cost to rebuild or repair your home decrease, so too does the cost associated with insuring your home.  This is most commonly used for older homes where construction materials and labor are much higher in order to closely match the obsolete construction methods and materials used in the original construction.

What Our Clients Are Saying

Providing quality and prompt service for our policyholders is of the utmost importance for everyone from our Customer Service Team to our Claims Team and we take great pride in the feedback we receive.

I have had a last 5 months to forget. During this Covid pandemic so many people have negative memories of the year gone by. One bright memory to remember is the caring, kindness, and efficient attention showed to me by Karen S.  at the Philadelphia Contributorship. I am thankful and...

Yovanny M. East Stroudsburg, PA 18301

The customer services was great, they listened to me , send the right people to assess the damage of my roof. The adjuster, promptly attended the claim and the check to do the repairs was processed very quickly. I would recommend The Philadelphia Contribution-ship, furthermore they are local and will...

George M. Middletown, DE 19709

We have never filed a homeowners claim before in our years of owning our home. Our adjuster, Jason C. was very understanding, professional and actually took time to explain the process, payments and answered all questions that we had. Highly recommend this company! Customer service is number one with Philadelphia...

Anne W. Easton, PA 18042

I have had a last 5 months to forget. During this Covid pandemic so many people have negative memories of the year gone by. One bright memory to remember is the caring, kindness, and efficient attention showed to me by Karen S.  at the Philadelphia Contributorship. I am thankful and...

Yovanny M. East Stroudsburg, PA 18301

The customer services was great, they listened to me , send the right people to assess the damage of my roof. The adjuster, promptly attended the claim and the check to do the repairs was processed very quickly. I would recommend The Philadelphia Contribution-ship, furthermore they are local and will...

George M. Middletown, DE 19709

We have never filed a homeowners claim before in our years of owning our home. Our adjuster, Jason C. was very understanding, professional and actually took time to explain the process, payments and answered all questions that we had. Highly recommend this company! Customer service is number one with Philadelphia...

Anne W. Easton, PA 18042

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