"This sounds too good to be true..." "If this is such a good idea, why haven't I heard about it before?" "How can you give me all my money back and still stay in business?" Good questions, all -- and ones we hear every day. Some of the answers can be found by taking a look at our financial stability and the excellent credentials of the members of our Board of Directors. History Our A.M. Best Rating Our Annual Statement The Board of Directors For years Baltimore Equitable relied on satisfied policyholders to spread the word about the "best kept secret in Baltimore." In fact, it was not until the early 1980's that any advertising was done at all. At that time the company initiated a small direct mail campaign that encompassed about 15,000 homes in and around Baltimore. Since that time we have expanded our mailing program to include the entire states of Maryland and Pennsylvania. Before we will write a policy, we personally visit the property and evaluate the cost to rebuild it. It is at this time we meet with the homeowner to review their present homeowners policy and discuss their personal insurance needs. Only then will we propose an insurance plan that will meet those needs. As a result of this special attention, most of our clients are with us for years. This client loyalty, our strong underwriting standards and our conservative financial management are what enable Baltimore Equitable Insurance to offer a state of the art Perpetual Homeowners Policy.