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?
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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