Perpetually Great Homeowners Insurance Since 1794

Why The Math Adds Up

Baltimore Equitable Insurance - Why The Math Adds Up

We think it makes great financial sense to purchase a Baltimore Equitable Insurance policy and here’s why:

With a “Normal” Insurance Policy or Annual Premium Policy – a $400,000 annual premium policy can cost you approximately $980 a year.  After 15 years you will have paid about $18,250 (assuming a 3% increase each year).

More importantly, you will never get any of the $18,250 refunded to you. It is now in the pockets of your term homeowner’s company.

With a Perpetual Homeowners Policy from Baltimore Equitable Insurance

After the initial phone call and estimate of deposit, a friendly, experienced team member will meet with you in person in order to arrive at a cost to rebuild your home.

Once they have completed the inspection, the Baltimore Equitable Insurance agent may find that it costs $400,000 to rebuild your home.

A $400,000 Baltimore Equitable Insurance perpetual policy will cost $16,800 in deposit.

Remember the uniqueness of the perpetual policy!  The $16,800 is fully refundable and you never need to purchase that $400,000 of insurance again.

You do the math:

$18,250 paid over 15 years with no insurance or money to show for it


$16,800 paid which is totally refundable when you no longer need insurance

That’s why, when all is said and done, our perpetual insurance policy adds up to a much better choice for homeowner’s insurance

back to top


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.