Pre-Qualify
"Since 1794, Mutual Assurance Society of Virginia has been providing insurance to homeowners across the Commonwealth. For a company to be in business that long, it must be doing something right."
Why Mutual Assurance?
We're different and well worth it.
Unmatched Savings
95% customer retention rate
Personalized Service
Our Pricing Structure in a Nutshell
With our unique perpetual homeowner policy, members pay a one-time premium the first year with a low annual assessment that is a fraction of this cost each year after that. This means significantly lower costs over the life of their policy. But don't take our word for it, see what two members have said on Google and Nextdoor:
"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
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
Please complete this form and find out if you qualify for coverage. A member of our team will contact you to begin the process once your information has been reviewed. We look forward to meeting you.
Note: if you are already a member of Mutual Assurance Society, special conditions apply.
Please call us to discuss your needs or use our Contact Us form.
Considerations
Please review the following list of home conditions that will disqualify your home upfront:
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This is not your primary residence.
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Home is not located in Virginia, or your home is in Northern Virginia or certain other zip codes we do not cover.
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Flat roofs or roofs with solar panels.
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Asbestos roof or siding.
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Well water, or not municipal water.
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Distance to fire station greater than 6 miles.
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Trampolines or divings boards that are not removable, unfenced pools.
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Other conditions that may be discussed after the inspection such as a business in the home or overhanging trees, etc.