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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

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  • front of the Mutual Assurance Society of Virginia building
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  • Society of Virginia plaque
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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.

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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.

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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 which 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

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News

News & Announcements

October 20, 2020

Do you have a rare book in your inventory?

Recently, a homeowner in Richmond decided to start clearing out the over 1000 books she had accumulated in her home after 50 years in place. She felt that some of the books may be valuable, so she decided to find …
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October 20, 2020

Mutual Assurance and The United Way

Every year, millions of employees get involved in workplace giving campaigns to support local United Way solutions that improve education, financial stability, and health. The staff at Mutual Assurance Society is a part of this annual giving program and has …
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October 15, 2020

How A Fire Nearby Or Even Miles Away Can Damage Your Home

While Virginia is not facing the catastrophic wildfires that are overwhelming western states, brushfires, fires at other homes or nearby properties, and even fire pit blazes too close to your HVAC system can cause significant damage. Chances are if you …
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Otherwise,  please fill out the form below to send us an email or scroll down for more ways to contact Mutual Assurance.

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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.

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