What is the Best Home Insurance in Virginia? We Believe We Are.

And Here's Why

When it comes to protecting your home — one of your most valuable assets — you want coverage you can trust, from a company that knows your community

Dot sketch of blue front door and Mutual Assurance Firemark mounted on siding next to it.

At Mutual Assurance Society of Virginia, we believe we offer the best home insurance across the Commonwealth. And we have the history, savings, and service to prove it.

Virginia’s Most Established Insurance Company — Since 1794

We’ve been insuring homes across the Commonwealth since 1794. That makes us not just the oldest insurance company in Virginia, but one of the most experienced in the nation. For over two centuries, we’ve remained steadfast in our mission: to provide comprehensive protection tailored to Virginia homeowners. Our deep local roots give us unmatched insight into the unique challenges faced by property owners here — from coastal storms to mountain snowfalls.

A Perpetual Policy: A Smarter Way to Insure

Our members enjoy something no other insurance company in Virginia offers: a perpetual policy. With this model, you pay a larger upfront premium for full replacement cost coverage. After that, your annual cost is reduced to a small percentage of that original premium — your assessment.

Over time, this structure saves our members more than any traditional policy ever could. It’s not just insurance. It’s a long-term investment in security and peace of mind. It's also one of the smartest financial decisions you can make.

Award-Winning, Personalized Service

We believe insurance should be personal — not automated. That’s why every new member is assigned a dedicated underwriting specialist from day one. You'll also have a consistent point of contact with a licensed underwriter throughout your time with us. No phone trees, no bots — just real people who know you and your policy.

Our award-winning service reflects our deep commitment to our members. We offer 24/7 personal support and treat every interaction as an opportunity to show we care—because we do.

We’re a Society, Not a Corporation

As a mutual insurance company, we are a society of member insurance policyholders. Our focus isn’t on shareholders — it’s on our members. Our core principle is benevolence as we exist to support and serve our community. That’s why everything we do, from our underwriting to our claims process, is designed to support and benefit the homeowners we insure.

The Bottom Line?

We’ve stood the test of time, we save you more, and we offer service that feels personal — because it is. At Mutual Assurance Society of Virginia, we’re more than insurance. We’re your neighbors, your advocates, and your safety net.