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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We are currently experiencing problems with our phone system. Our provider is working to restore our phone system. If you have a claim emergency please call 410-879-4233. You may e-mail us at