• Are you tired of paying Homeowners Insurance premiums?
• What's the total dollar amount you've spent on Homeowners Insurance over your lifetime?
• Ever wonder why your premium keeps going up, even if you never make a claim?
• Do you have to pay a deductible each time you have a claim?

A Perpetual Homeowners Insurance policy offers the same comprehensive coverage and endorsements that your present policy does. However, it differs from your present policy in one significant aspect. You make a single one-time payment for a specific amount of protection, and then you never have to pay for that original amount of coverage again.

But that is, perhaps, not the most unusual aspect of the perpetual policy. The fact is that every single dollar ever paid for your Homeowners Insurance will be completely refunded when the policy is cancelled. There are no ifs, ands, or buts. When you decide you no longer need our Homeowners Insurance, we will give you back every dollar you gave us. If given the choice of making a $3,000 single one time deposit--that will be returned to you, or paying $300 a year forever, what would you choose?

Of course, as the years go by and the cost to build your home increases, you may wish to purchase additional coverage. Those additions are made at your original rate noted in your policy. You will not be subject to any rate increases for the life of your policy. That’s quite an inflation protection! And all additional payments you make are also completely refundable.

As you can see, the concept of Perpetual Homeowners Insurance is quite simple. Pay for the coverage up front, lock in your rate for any future additions, and all your money is refundable – regardless of your claims history or the length of time you are insured with Baltimore Equitable Insurance.

Now, let's look into how it can be a benefit to you by significantly reducing your real cost for Homeowners Insurance.


Are you tired of paying Homeowners Insurance premiums?

Currently, your insurance company bills your for coverage annually. Generally that premium goes up. Did you increase your coverage? Did you have a claim this year? Did the rate that the company charge you go up? There is an alternative.


What's the total dollar amount you've spent on Homeowners Insurance over your lifetime?

Is it $5,000? $10,000? Or even $25,000 in premiums? How much of that money comes back to you if you cancel your policy today? None? Instead of an expense each year, you can be building a refundable asset, with the Perpetual Homeowners Insurance from Baltimore Equitable.


Ever wonder why your premium keeps going up, even if you never make a claim?

Companies have the right to increase the rate for a type of policy or coverage every year. When they do so, your policy reflects that increase the next time you receive a premium statement. Once you become a member of Baltimore Equitable Insurance, however, your cost per thousand of coverage never changes as long as your policy is in effect. Lock in your current cost for the future. Imagine – 10 years from now when you add coverage to your policy, you will be doing it at today’s rates.


Do you have to pay a deductible each time you have a claim?

We reward policyholders in good standing with our disappearing deductible policy. It starts with $500 as your deductible. Then each year you remain claim-free, the deductible drops by $100. By the end of five consecutive years with no claims, there is no deductible. When you make a claim, you pay the appropriate deductible (depending where in the cycle you are), and then the deductible cycle begins again starting with $500 and reducing each claim-free year as before.

We can offer you something that the other Homeowners Insurance companies cannot ... A better alternative... A Perpetual Homeowners Policy.