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The way home insurance was meant to be.

Or Call us at (800) 648-1794

Insuring homes in Lexington and surrounding areas since 1794.

What would you do with the money you save?

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.

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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%.

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The longer you keep your policy, the more you save, and that savings can quickly add up to thousands.

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Our underwriting process is very thorough and we take the time to get to know you and your home.

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Here are the steps to becoming a member:

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Get an estimate.

 

Get an online estimate or speak with an agent 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.

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Discuss your coverage with your agent.

 

Your agent 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!

How can I get a perpetual policy with Mutual Assurance?

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