A different kind of home insurance

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.

Money back guarantee

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?

For Maryland and Pennsylvania Only

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.

GET A BALLPARK QUOTE

Calculate your refundable deposit

Baltimore Equitable offers a unique homeowners insurance, which is 100% refundable upon cancelation.

Complete the form below to get a estimated quote (refer to current homeowners policy, if applicable.)

Learn more

Desired deductible:

Cost to rebuild house:

Where do you live?

How close to a fire station or hydrant?

Do you have a burglar alarm?
Yes
No
*All fields are required