Mutual Assurance Society of Virginia

The Perpetual Policy

With Mutual Assurance’s unique perpetual homeowner policy, members pay a one-time premium with a low annual assessment, resulting in much lower costs over the life of their policy. Sound too good to be true?

Learn More

See If Your Home Pre-Qualifies


  • Metal sign that reads, Mutual Assurance Society of Virginia
  • Front of a gray house with azalea blooming
  • front of the Mutual Assurance Society of Virginia building
  • Large white house with dark shutters and a wrap around front porch
  • close up of an old calendar clock
  • brick building with black shutters and a circular bed in front
  • Society of Virginia plaque
  • front of a large tan house with ferns hanging on the front porch

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 about us.


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.

Condo Unit Owners Policy:
Coverage for the owner of a condo unit occupied as a primary or secondary residence.

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

Renters Policy:
Coverage for a tenant renting a home or an apartment.

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.

Additional Coverages That Can Be Added To Your Homeowners Policy:
Equipment Breakdown | Service Line | Earthquake | Scheduled Personal Property | Water Sewer Backup

Learn More »


News & Announcements

March 5, 2021

Sleep Deprivation and Home Accidents

What does sleep have to do with home insurance? In addition to affecting weight gain, diabetes, cardiovascular disease, and even motivation, sleep deprivation can impact your home as well. According to a study by Harvard Medical School, a lack of …
read more »

February 27, 2021

Messages Your Home Is Sending Burglars

We all know that newspapers in the drive and unmown grass are clear signals that someone hasn’t been home for a while. But what other signals is your house giving to would-be thieves. An Obsolete or Damaged Home Security Sign …
read more »

February 25, 2021

Ordinance & Law Coverage

What is it? Do I need it? Do I have it with my Mutual Assurance Society Policy? What is it? Ordinance and law coverage provides financial assistance if a home must be brought up to state or municipal codes. This …
read more »

View Archives »


How can we help you?


If you need to report a new claim select the button below.


If you are interested in applying for insurance with us, please use our pre-qualification tool to see if you may qualify for insurance with Mutual Assurance.

Otherwise,  please fill out the form below to send us an email or scroll down for more ways to contact Mutual Assurance.

Contact Us
File Upload
Maximum upload size: 25MB


Sign Up For Our Monthly Newsletter

Sign Up

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 9:00 am – 4:00 pm
Due to COVID-19, our offices are currently closed to the public.

After Hours Claims Service
If you have an emergency claim during the weekend, on holidays or after regular business hours (Mon-Fri 9:00 a.m. to 4:00 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.

Protected with GEO protection plugin