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 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 »

horse

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.

clock
clock

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

News & Announcements

December 2, 2019

If you have a loved one who has moved into an apartment, condo or dorm room and are concerned about their safety, here are some great home security gift ideas that will stymie even the most savvy of unwanted intruders.

December 2, 2019

Sidewalk snow removal laws vary from community to community across Virginia. If you’re a property owner, it’s important to check your city or homeowner’s association codes to see who is responsible for snow and ice removal. Penalties for leaving public …
read more »

November 27, 2019

Unearthing History Homeowners insurance policies help guide archaeological discoveries at James Monroe’s Highland estate in Virginia. When Sara Bon-Harper took over as executive director of James Monroe’s Highland estate in 2012, she knew something was missing—part of the Founding Father’s …
read more »


View Archives »

building

How can we help you?

 

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

or

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
Sending

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.