227 Years of Service & Savings

Offering a unique perpetual policy where the policy doesn’t expire and members pay a one-time premium, with only a low assessment paid each following year. The result is significantly lower costs over the life of the policy. Sound too good to be true?


One of the principals of mutual insurance companies like ours is that "through union there is strength." Risk and reward are shared by all members, but meticulously managed by us through careful risk assessment and sound investment of the Society's funds.


When homeowners qualify, they know they have joined something unique. Something truly special. With a 97% customer retention rate, We stand apart from all other home insurance providers in Virginia., especially in year-over-year savings and white glove service.


The defining difference between stock insurers and us is that we operate solely for the benefit of our policyholders. We and our policyholders share an alignment of interests that is unique and not beholden to shareholders and investment fund managers.

Would My Home Qualify?

Not every home in Virginia qualifies for our insurance. Location, home condition, municipal water sources, fire station and hydrant proximity, and much more are considered before membership can be offered. We do this so we can make sure each member’s risk is equal and mutually beneficial.

Every home considered for membership is inspected, from attic to crawl space, at no cost to the homeowner by one of our licensed inspectors. The results are carefully analyzed by an underwriter, and if our standard requirements are met, membership is offered. 

If a home is not accepted, the reasons will be given, and if there is a solution, the homeowner can re-apply once the issues are addressed. In many cases, however, a home simply can’t be accepted, no matter how beautiful or well-maintained.

Following this process allows us to offer our annual premiums of unprecedented savings to our members in the second year and on.

Mutual means shared. Shared risk, shared savings, shared responsibility.

Who we Are

Started in 1794, Mutual Assurance Society has been insuring homes across Virginia ever since. Founded on benevolence, our member focused model of doing business puts the needs and safety of our policy holders ahead of all other concerns.

If you are interested in learning more and to see if you qualify, please click on the Pre-Qualify button at the top of this page and we’ll be happy to review our unique process and product with you. 


We strive to provide the best service in the business and believe our 95% member retention rate supports our belief that we do.
But, don’t take our word for it, read what some of our members have to say.

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