The Way Insurance Is Meant To Be
A homeowner's 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-over-year.
Unlike a typical home insurance policy, with our perpetual policy, you pay a one-time premium that covers the entire life of the policy. It's called a Perpetual Policy because it doesn't expire each year - so there is no annual renewal process.
​
After that, you pay only a low annual assessment that is a small percentage of the annual premium. The assessment percentage can change from year-to-year but in recent years has held steady between 15%-25%.
​
The longer you keep your policy, the more you save, and that savings can quickly add up to thousands.
Want to know if the Perpetual Policy is right for your home? Explore the benefits here
Why Virginia Homeowners Trust Mutual Assurance
Founded in 1794
More than 230 years protecting Virginia homes.
Personal Guidance
A dedicated underwriter works with you from start to finish.
17,000+ Members
Homeowners who have chosen a different way to insure their homes.
Homes of Every Generation
From historic landmarks to newly built homes, we protect homes across Virginia.
Serving homeowners exclusively throughout the Commonwealth.
Virginia Focused
Mutual Company
Owned by members, not outside shareholders.
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.
Get an online estimate or speak to a representative to see if your home qualifies and to get a general idea of your costs.
Schedule a free home inspection.
We conduct a free inspection of your home to provide common sense measures that protect your home and ensure you have the right coverage.
​​
Discuss your coverage with an underwriter.
You will be assigned an underwriter who will provide a formal quote and personally handle your membership. You are under no obligation to proceed, but for most, the savings opportunity is too good to pass up!
"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 ★★★★★