Will my deposit be reduced if I make a claim?
No. Your deposit remains yours for the duration of your policy and until you cancel. Filing a claim does not reduce what you will eventually get back.
What happens when I file a claim?
You will talk directly with an experienced Baltimore Equitable Insurance team member who will personally guide you through every step of the process, from start to finish.
Do I have to use a specific contractor?
No. We can connect you with prescreened, licensed contractors to handle repairs, or you can choose your own preferred professional. Either way, our goal is to make the process simple, smooth, and stress-free.
Does filing a claim affect my refund when I cancel my policy?
No. Your 100% refundable deposit is not reduced by a claim. When you cancel your policy, whether you have filed a claim or not, you will receive your full deposit back.
What if I need to increase my coverage after a claim, or as my home’s value changes?
If the cost to repair or rebuild your home increases, you may need to increase your coverage amount with an additional deposit. Like your original deposit, that additional amount is 100% refundable when you no longer need your policy.
Is filing a claim different with Baltimore Equitable Insurance than with a traditional insurance company?
The coverage itself works the same way as a traditional homeowners policy. What is different is what happens to your money. With a traditional policy, the premium you have paid is gone whether or not you ever file a claim. With Baltimore Equitable Insurance, your deposit is still yours, claim or no claim, refunded in full when you cancel.
How do I start a claim?
Call us at 410-727-1794 or email 1794@1794insurance.com, and a team member will walk you through the process from there.
Can I still cancel my policy if I have an open claim, or after one has been resolved?
You can cancel your policy at any time, for any reason, without fees or penalties. Please send your cancellation form by email, fax, or mail to begin the process.
Is Baltimore Equitable Insurance the right choice when it comes to claims?
If you want straightforward claims handling and a guarantee that your money is still yours no matter what happens, Baltimore Equitable Insurance is built for that. We have offered this same promise since 1794. Your deposit remains yours, your claim is handled by a real person, and your money still belongs to you.
Ready to see the difference?
For more than 230 years, our policyholders have protected their homes without paying premiums they’ll never see again.