Baltimore Equitable Insurance

I had heard ads for Baltimore Equitable on the radio a few years ago. I was intrigued by the thought of a perpetual policy with locked in rates, and a refundable deposit. I didn't take out a policy at the time, but the idea stuck in the back of my mind. Fast forward five years, I get my annual insurance renewal and see the premium increased by 50% even though I have never made a claim. I started shopping around and remembered Baltimore Equitable Insurance. I gave them a call and got connected with Caesar Rossilli. He thoroughly explained how the company worked, the details about the policy, and provided an initial quote over the phone. We scheduled an inspection and met at my house a few days later to take pictures and measurements. After completing the inspection and finalizing the amount of coverage we filled out the application and submitted it for underwriting. A few days later we got a package in the mail which included a customized ring binder with all of the policy documents, contact information and claims process, a hand written note from the company president, a flash drive with digital copies of the policy and inspection, and their Fire Mark. (A metal plaque with the company's logo that is affixed to the exterior of the building. All insurance companies back in the 1700s and 1800s issued them as a way of denoting which properties were insured for the purpose of dispatching fire fighters. Many buildings throughout Baltimore still have them, and now so does mine!) The whole process was very easy, and also surprisingly enjoyable. Everyone I talked to at Baltimore Equitable was very friendly and personable. They are the nicest insurance company/people I have ever dealt with. I now have the coverage I need, and no longer have to dread annual premium increases. I've recommended them to several of my friends and family. Definitely give them a call to see what they can do for you if you live in MD or PA.
Apr 5th, 2024

It was a pleasure working with Rob Kraft and the Baltimore Equitable team. We have had a perpetual policy for about twenty-five years. However, that company no longer writes perpetual policies. So, when we downsized, I searched and found Baltimore Equitable. In my mind this is the way insurance companies should work.
Mar 30th, 2024

I contacted Baltimore Equitable Insurance about a perpetual homeowners insurance policy. The agent was on my premises within 5 days, took detailed measurements and pictures and gave me a reasonable quote, so I went with it. The interval between application submission and underwriter approval was 24 hours. So far, so good.
Nov 30th, 2023

I always seen this company advertise on t.v. You pay a one time fee for homeowner's insurance, and when you cancel you get all your money back. It didn't quite make sense. However, the agent went on to explain that the average cost was $15,000 to $20,000 upfront. Oooh, that makes sense because they can take your money and invest it. Money makes money, but who actually have that type of money to put up. This definitely works for the rich or people who can afford to do this.
Nov 8th, 2023

Extremely personable and attentive agent, Rob Kraft.
Sep 11th, 2023