Perpetually Great Homeowners Insurance Since 1794

Fully Refundable Deposit

When you no longer need your policy, you get back every single dollar you have paid.

Have a claim? No Worries

Your rates will never increase, even after a claim, and
You still get back all your money when you cancel your policy.

Locked-In Rate

Need more coverage?
Just pay for the additional coverage at the original
rate that you purchased your policy.

Disappearing Deductible

Tired of high deductibles? With our Perpetual
Insurance, your deductible can be reduced to $0
with a 5 -year claims free record.

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Alert: We are experiencing problems with our phone system. If you need immediate assistance please email us at or visit for further contact options. Someone will get back to you as soon as possible. If you have a claim emergency, please contact our after-hours line at 410-879-4233.