Baltimore Equitable Insurance

My parents used this company and they were great! So my husband and I were excited to get this insurance! Rob was very nice , very pleasant and easy to work with. I have already shared our experience with friends and family! Thanks for all you’ve done for us!! Highly recommend!!!

I worked with Rob Kraft to transfer from a traditional Home Owner's Insurance to a Perpetual Policy through Baltimore Equitable. Rob was incredibly patient with all of my questions, answered in language that a layperson could understand and responsive via phone or email. He never applied pressure. I am grateful for his help.

Some of nicest insurance people I’ve worked with. I’ve personally worked with Mr. Rob Kraft for insuring two houses now. It’s a fairly unknown product by many people/companies but they are a legitimate business and adhere to all insurance standards. Also AMBest rated meeting Fannie/Freddie guidelines for mortgages. Just have to make sure it makes sense for your financial situation as the refundable deposit is higher than your typical nonrefundable insurance premium.

I’ve had Baltimore Equitable Insurance for years and it’s great! I discovered perpetual insurance, and how you get all your money back, rather than just tossing your money at a company, never to be seen again. Great concept! If you have the amount for the deposit, or if you prefer to not keep paying out money you will never see again, I highly encourage you to check them out. Great people, very responsive, not a huge faceless company

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.