Established in 1794, Baltimore Equitable Insurance offers a single, unique product: A homeowners insurance policy that replaces ongoing premiums with a 100% refundable "deposit". Coverages are the same as with a traditional policy and claims are paid the way you like — promptly.
With traditional policies, the money you pay is dollars down the drain. With Baltimore Equitable, every dime you pay in is refunded when you cancel — no matter how many claims you make. How is this possible?
Our product serves only this region, which means our clients don't share the cost burden associated with higher risk areas of the country.
Call us toll-free at 1-800-272-1794 to receive a detailed quote for your perpetual insurance.
I bought my policy
in 1995. When I need
more insurance,
I pay 1995 prices.
I wished my
deductible would
just go away.
Then it did.
At first, I didn't
understand what
perpetual insurance was.
When I found out,
I couldn't believe
everyone didn't have it.
A money back guarantee
is usually for something
you don't like.
But how about getting
money back for
something you love?
Homeowners insurance
premiums always go
up, right?
Wrong.
When my friends pay
their homeowners
insurance, it's dollars
out the door.
Every dime I pay to
Baltimore Equitable,
I get back when I cancel.