Please use our request form to learn more about our unique perpetual insurance model and find out if you qualify for coverage. After completing this form, a member of our team will contact you to begin the process. 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.


Please review the following list of home conditions that will disqualify your home upfront:

  • This is not your primary residence.

  • Home is not located in Virginia, or your home is in Northern Virginia or certain other zip codes we do not cover.

  • Flat roofs or roofs with solar panels.

  • Asbestos roof or siding.

  • Well water, or not municipal water.

  • Distance to fire station greater than 6 miles.

  • Trampolines, unfenced pools, and diving boards.

  • Other conditions that may be discussed after the inspection such as a business in the home or overhanging trees, etc.


Please note we need 30 days for an inside and outside inspection of the home to prepare a quote.


Our Quoting Process


We consider each policyholder a partner in protecting their home. After qualifying for coverage, if you are interested in moving forward with a quote, Mutual Assurance will schedule a home inspection. Our inspection helps us to properly insure your home and provides you with some common sense measures to help protect your home from loss. Following your home inspection, we will prepare a quote for you. This process may take up to 30 days.

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