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Elevated view of downtown Winchester, Virginia with Mountains in the background.

What is the best home insurance in Winchester, Virginia?

With a 95% retention rate - the highest of any home insurance provider in Virginia, our policyholders think we are.

It's the way home insurance was 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

Unlike a typical home insurance policy, with our perpetual policy, you pay a one-time premium that covers the entire life of the policy.

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.

Here's what two of our policyholders have said online:

Background photo of African American woman smiling.

"A policy that never expires, rates after the first year that are 75% off what you paid the first year - and will pay every year after that. Outstanding service, customized coverage - there is no better home insurance provider in Virginia."  

Caroline T., Lynchburg

Background image of older gentleman smiling at camera holding two thumbs up.

Mutual Assurance Society of Virginia is THE way to go. I tried them after two friends raved about them. The first year is  high but drops dramatically after that. I  switched over in 2011. I calculated a savings of $9,067. 94 since then. That is more than I've paid MAS of VA over that period of time.

Fred E., Richmond

Want to see more of what our members have to say check out our reviews on Google & Nextdoor.

How can I get a perpetual policy with Mutual Assurance?


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 a hassle-free, no-obligation estimate.


Get an online estimate in 30-second 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!

Copy of a policy from 1796 on the Dowdall house in Winchester, VA

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