The Way Insurance Is Meant To Be
A homeowners policy with Mutual Assurance is unlike any other you've had. Here's what makes us so unique.
Introducing the Perpetual Policy, where savings accumulate year after year.
Unlike a typical home insurance policy, our Perpetual Policy requires a one-time premium that covers the policy's entire term. It's called a Perpetual Policy because it doesn't expire each year, so there is no annual renewal process.
After year one, you pay an annual assessment that is a percentage of the annual policy premium. The assessment percentage can change from year to year, and your annual policy premium may also change with inflation, coverage adjustments and rate changes. The longer you keep your policy, the more opportunity you have to save compared with paying a full annual premium each year.
The longer you keep your policy, the more you save, and those savings can quickly add up to thousands.
Learn More About Our Perpetual Policy
Why Virginia Homeowners Trust Mutual Assurance
Founded in 1794
More than 230 years protecting Virginia homes.
17,000+ Members
Homeowners who have chosen a better way to insure their homes
Mutual Company
Owned by members, not outside shareholders.
Trusted Across Generations
Virginia homeowners and families have trusted Mutual Assurance with their homes for generations.
Personal Guidance
A dedicated underwriter works with you from start to finish.
Serving homeowners exclusively throughout the Commonwealth.
Virginia Focused
How It Works
Anthony - Analytics Specialist
Our underwriting process is very thorough and we take the time to get to know you and your home.
Here are the steps to becoming a member:
Get an estimate.
Request an estimate online or speak with us to get a general idea of your costs and whether Mutual Assurance may be a good fit..
Schedule a free home inspection.
If you'd like to continue, we'll arrange a free inspection of your home so our underwriting team can evaluate it and prepare your formal quote.
Discuss your coverage with an underwriter.
Your assigned underwriter will review the inspection with you, answer your questions, discuss any membership requirements and provide your formal quote. There's no obligation to proceed.
"Yes, the first year premium is steeper than with other companies, but I calculate I've saved over $8,000 in the years following. I plan to stick with them for as long as I live in Virginia... Great service too. I've only had one claim and the company was terrific.
I love Mutual Assurance!"
Walter Lewanowicz, Google Review ★★★★★