The Programs We Offer

RENTERS

Available for anyone who rents and occupies a house or an apartment. Coverage provides protection for the renter’s personal belongings against fire and theft, as well as vandalism. Renters insurance also offers protection for damages and defense costs in case of a liability lawsuit.

CONDOMINIUM UNIT OWNERS

Designed for owners of a condominium association or cooperative, whether lived in by the owner or rented to others. Coverage provides protection against fire, theft and vandalism. A Condominium Unit Owners policy also provides protection for damages and defense costs in case of a liability lawsuit.

STANDARD REPLACEMENT VALUE POLICIES

The most popular coverage option, this policy offers broad protection for the dwelling based on what it would cost to replace it. Coverage is also included for personal property, which can be provided on either a replacement cost basis, or based on its’ depreciated value (a cost saving option). The standard policy also provides protection for damages and defense costs in case of a liability lawsuit.

ACTUAL CASH VALUE POLICIES

These policies are available for homes with a lower market value and higher replacement cost. This coverage is perfect for homeowners who aren’t looking to insure for the replacement cost of their home. These policies also provide coverage for the owner’s personal possessions, as well as liability protection.

DWELLING FIRE PROGRAM

This policy is available for tenant or owner-occupied multi-family dwellings (up to four families). Coverage is provided for the building, and has available options for the contents and liability.

FOUNDERS' PROGRAM

Provides protection beyond the standard replacement value policy. It provides higher limits for the home and personal belongings, including jewelry, furs, and silverware. Coverage comes standard with items that are optional under most other policies.

PERPETUAL INSURANCE

This unique policy has set us apart from other insurers since 1810. Instead of paying annual premiums for homeowners’ coverage, the policyholder makes a deposit payment. If at any time you choose to cancel your policy, the entire deposit is refunded. All of our perpetual policyholders have the option of receiving dividends on their deposits, and though we cannot guarantee dividends (no company can), The Contributionship has paid dividends each and every year since 1897.

PERSONAL EXCESS POLICY

This policy provides increased liability limits from $1 million up to $5 million that give an additional level of asset protection above and beyond the coverage offered by the homeowners policy.

Additional Brochures

SPECIAL OPTIONs

IDENTITY THEFT PROTECTION

Identity theft occurs when someone uses your personal identifying information such as your name, social security number, or credit card information without your permission. Find out more information at www.contributionship-identity.com.

EQUIPMENT BREAKDOWN COVERAGE

Provides coverage for important home systems and property due to loss by mechanical or electrical breakdown. This option offers a simple, comprehensive and affordable alternative to costly product and home warranty plans. Find out more by taking an interactive tour of Equipment Breakdown Coverage.