Baltimore Equitable Insurance

Since 1794

Baltimore Equitable Insurance offers the same reliable coverage as a conventional homeowners insurance company, but with one big difference. Your money still belongs to you. 100%.

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100% refundable homeowners Insurance for more than 230 years and counting

We provide a unique solution to the frustration of paying annual homeowners insurance premiums — an expense you can never recover. With our policies, every dollar you spend toward coverage remains yours.

How It Works

Throughout the life of your policy, your home, condo, or apartment is protected from loss or damage. Instead of annual premiums, you pay a deposit when your policy begins. When you no longer need your policy, that deposit is returned to you, with no penalties, fees, or hassles.

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Learn About Our Policies

For Homeowners

A home is often an individual’s most valuable asset, deserving the highest protection against the unexpected. Policies cover the structure of the home and its contents, along with liability coverage for someone injured on your property or damage you cause to another’s property. We provide policies for townhomes, single-family homes, two-family dwellings, and vacation homes.

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For Condo Owners

Condo associations typically cover only the exterior of a property, so you need coverage for the interior. That includes drywall, flooring, countertops, cabinets, and built-in features. Policies can also cover personal belongings like furniture, clothing, and electronics, plus liability protection if a visitor is injured or you accidentally damage someone else’s property.

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For Renters

These policies cover the contents of the property (such as furniture, clothing, and electronics) and also provide liability protection for a property that you do not own and for which you pay rent —including an apartment, condo, townhome, or single-family home. Additional coverage can be added for high-value items, such as jewelry. The property’s exterior is not covered.

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Join generations of homeowners who have enjoyed the peace of mind that comes with a high-quality 100% refundable homeowners insurance policy. How It Works

What Our Customers Are Saying

What a great and easy experience. Both Taylor and Rob were pleasant and professional through the whole process. Would definitely recommend Baltimore Equitable Insurance for a safe and reliable way to purchase homeowners insurance. With a money back guarantee you can’t do wrong.

Renee, Customer

We would like to take a moment and thank you for what Baltimore Equitable has done for us! This past year has been a difficult time for us, and we are grateful you helped ease our burden a bit. We are very pleased customers.

Mort, Customer

A simple survey can’t fully express my appreciation to you for your handling of my claim…your emotional support, sensitivity, and calm efficiency, as well as our mutual trust. These contrast sharply with other insurance companies in which the insured becomes the adversary the minute he submits a claim.

Caroline, Customer

The employees and service provided by Baltimore Equitable Insurance are FANTASTIC!! You have made us “Raving Fans”, and we sleep better at night knowing that you have us covered. Thank you so much!

Charles, Customer

Your company treats us like a person. I like that you know who I am and never ask for my policy number!

Lisa, Customer

If you have the amount for the deposit, or if you prefer to not keep paying out money you will never see again, I highly encourage you to check them out. Great people, very responsive, not a huge faceless company.

Tracey, Customer

We recommend Baltimore Equitable Insurance to one and all, as we believe that there is no better service—anywhere!

Nathan, Customer