Mutual Assurance Society of Virginia

“That the citizens of this state may insure their buildings against losses and damages occasioned accidentally by fire and that the insured pay the losses and expenses, each his share, according to the sum insured.” – Mutual Assurance Society charter, 1794

learn more

  • metal-sign-1400x782
  • sliders-flowers-flipped
  • front-building1400x782
  • sliders-porch
  • clock-1400x782
  • sliders-brick
  • logo-1400x782
  • sliders-house-ferns

About Us

"Founded Upon Benevolence"

The fundamental principle of the Society of “mutual assurance and mutual risk” was set forth in the Society’s original charter and remains our mission today.

The Mutual Assurance Society Against Fire on Buildings of the State of Virginia was founded on December 22, 1794, by an act of incorporation by the Virginia General Assembly. On May 17, 1982, the members of the Society changed the name of the company to “Mutual Assurance Society of Virginia.”

Today we operate much the same way as we did at our beginning. We provide our members with quality insurance protection at a reasonable cost always striving to do so in a caring and efficient manner.

Learn More »


Our Mission

Building on our Tradition of Service

To Provide Quality Insurance Protection at a Reasonable Cost, Through Sound Investments, Excellent Risk Selection and an Understanding of Members’ Needs and Expectations;

To Provide Members with the Highest Level of Personal Service in a Caring and Efficient Manner; and To Build on Our Reputation as a Leader of Virginia’s Property and Casualty Insurance Industry While Adhering to the Basic Principles of Benevolence That Have Guided the Society Since 1794.


Policies & Coverages

Policies & Coverages

The Society writes personal lines property coverages with major emphasis on homeowner policies. Dwelling fire, personal articles floater and personal umbrella liability policies are available for qualified policyholders.

Homeowners Policy:
A homeowners insurance policy is a package policy that combines more than one coverage in a single policy form.

Dwelling Fire Policy:
Coverage for one or two family dwellings which are tenant occupied

Personal Umbrella Liability Policy:
Additional coverage for personal liability. This policy provides coverage for personal liability after coverage has been exhausted under your underlying homeowners, auto and/or boat policies.

Learn More »


News & Announcements

January 1, 2016

2016 Base Annual Assessment Rate Will Rise to 17%. Our operating and investment results for 2015 were moderate.  The stock market displayed weakness and high volatility during the second half of the year; we were fortunate to have reduced our …
read more »

January 1, 2016

January 1, 2016 Mr. Farhad Aghdami has been elected to the Society’s Board of Directors.  Mr. Aghdami is a partner of the law firm Williams Mullen.  He will complete the unexpired term of Mr. Julious P. Smith, Jr. who retired …
read more »

January 1, 2016

The 2016 Annual Meeting of Members of the Mutual Assurance Society of Virginia will be held Monday, May 9, 2016, 10:00am at the Society’s office located at 4001 Fitzhugh Avenue, Richmond, Virginia 23230. Notice of the Annual Meeting and the …
read more »

View Archives »


How can we help you?

Contact Us

Customer Service
In Richmond and Surrounding Counties – Telephone: (804) 355-1794
In Other Areas – Toll Free Telephone: (800) 648-1794
Fax: (804) 355-1971
Claims Fax: (804) 355-3619

Regular Office Hours
Mon-Fri 8:00 am – 4:30 pm

After Hours Claims Service
If you have an emergency claim during the weekend, on holidays or after regular business hours (Mon-Fri 8:00 a.m. to 4:30 p.m.), please call (800) 648-1794 or (877) 231-9288.

Catastrophe Claim Reporting
All catastrophe claims should be reported by calling (800) 648-1794. You may also call our Claims Call Center directly at (877) 231-9288. Catastrophe claims will be prioritized based on the severity of the claim and assigned to staff or independent claim adjusters for handling.