"What happens in the future if I need more coverage because the value of my home or contents has risen?"

Good question! The answer to this highlights a very unique feature of Perpetual Homeowners Insurance. When we first write your policy, your deposit is based on a rate per thousand that is determined by several different factors. This rate is written into your policy and will not increase for additional dwelling coverage for the life of that policy. The cost to add coverage one, five, ten years from now will be based on the rate as originally written. How's that for a hedge against inflation?

We will review your coverages annually and recommend changes as needed. We will not write the policy then forget you.

Did your insurance agent come to your house to make sure that the amount of coverage that was being written was enough? We feel that it’s important for a Homeowners Insurance company to perform a proper evaluation of your property. How else are you going to be sure you are properly protected? One of our representatives will personally evaluate your home in order to determine its current cost to rebuild. Using this evaluation, we will be able to advise you of your needs – both today and in the future. We will also explain all of the different options available under a Homeowners Policy so that you may decide the best program for you. We tailor our policy to your needs. We do not have one policy that "fits all."

Baltimore Equitable Insurance has a long-standing commitment to quality service but don't just take our word for it; contact the Maryland Insurance Administration, 410-333-6300, if you have the slightest doubt.


"What happens if I have a claim?"

Each claim is handled promptly and fairly. We use our own adjusters, so we can be assured that our policyholders are treated properly.

In addition, we make it easier to file a claim right from our Web site. Just download the Claim Reporting Form in a PDF format, fill out your information on your claim, print it out, sign and date it, and send it back to Baltimore Equitable Insurance at: One Charles Center, 100 North Charles Street, Suite 640, Baltimore, MD, 21201, Phone: 410-727-1794.


"Is my single one time payment in any way affected by a claim?"

NO! If your home burned to the ground we would settle the claim and still refund, in full, every dollar given to us for insurance coverage.