How It Works
The alternative to paying annual insurance premiums
It almost seems too good to be true, but we have provided 100% refundable insurance for more than 230 years. Instead of annual premiums, you make a deposit. When you no longer need coverage, we promptly return your deposit to you.
100% Refundable Homeowners Insurance
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. Instead of paying premiums year after year that are gone forever, your deposit is 100% refundable. Your home, condo, or apartment is still protected from the unexpected, but every dollar you spend on coverage is still yours. 100%!
Filing a Claim Is Easy
If you ever need to file a claim, you will talk directly with an experienced Baltimore Equitable Insurance team member who knows our policies inside and out and will personally guide you through every step of the process. We can connect you with prescreened, licensed contractors to handle repairs, or you can choose your own preferred professional. Either way, we’re here to make claims simple, smooth, and stress-free.
Requesting Your Refund Is Simple
Most Baltimore Equitable Insurance customers stay with us for 20 years or more — but we understand that life changes. If you ever need to cancel, you can do so at any time without penalties, hidden fees, or hassles. All you need to do is complete a cancellation form and send it by email, fax, or mail. Then we will promptly return your 100% refundable deposit.
Become a Baltimore Equitable Insurance Member
Each policyholder is a carefully chosen partner in our shared success and a valued member of our organization. We invite you to be a part of our history of stability, trust, and distinction. With Baltimore Equitable Insurance, you will gain the peace of mind that comes from knowing that your home, condo, or apartment is protected from the unexpected.
How We Compare
|
Traditional Insurance |
100% Refundable Insurance | |
|---|---|---|
| High-quality coverage | ||
| Home/Condo/Renters | ||
| Annual insurance premiums | ||
| Full refund at policy cancellation | ||
| White-glove experience | ||
| One-on-one claims processing | ||
| No add-on fees |
We’re not just another traditional insurance company. We’re relationship-focused, with a white-glove experience. See for yourself.