Discounts We Offer


If your home was built in the last ten years, our discounts can save you as much as 20%.


If your insurance agent also handles your personal auto policy, you may qualify for a discount on your homeowners or dwelling policy with The Contributionship – as much as 10% - even though the auto policy is from another carrier.


The Contributionship offers a wide range of deductible options for you to choose from. Deductible options start at $250, but can increase to as much as $10,000, for as much as a 50% credit off of your policy premium.


The Contributionship values the steps you take to keep your family and your property protected from incidents such as fire and theft. Even simple steps such as maintaining smoke alarms in your home can save you 2% on your policy premium. We offer bigger discounts for more comprehensive safety features - here are some examples:

  • Central station alarms - such as those monitored by a security company. These systems usually offer protection against fire and from theft by monitoring windows and doors for tampering when the security system is activated.
  • Internal sprinkler systems
  • Temperature Control Alarms – these alarms are activated when a sudden change in temperature is detected. These alarms help protect against fire as well as damage that can result from freezing pipes in the winter.
  • Water Shut-off Devices – these devices, attached to the home’s water main, detect sudden or usual changes in water usage and can limit the damage caused by broken pipes, or even an unexpected failure in a washing machine supply line.

If you want to learn more about these kinds of devices, or other ways to protect your home and family, we encourage you to visit for more information!


If you’ve just bought a home, whether it’s new construction or an older home, you are eligible for a discount of up to 3%.


If you’re thinking about moving to a new home, talk to your insurance agent about writing your new home’s policy with The Contributionship. Policyholders who keep their policy with us when they move are eligible for as much as 5% off their first year’s premium. There are enough headaches associated with buying a home – like closing costs and moving expenses. We think your new insurance policy doesn’t have to be one of them.

Not all discounts are available in all states. The amount of each discount can also vary depending on state insurance regulations. We encourage you to talk to your independent insurance agent for practical advice for saving money when considering a policy from The Philadelphia Contributionship.