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Refer a Friend

With a 95% retention rate, we know our members are satisfied with the savings, service, and strength we offer. 

Member referrals are our number one source for new members. A referral is the highest compliment you can give us and ensure the ongoing stability and strength of our company.

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Referral Options

Send an email or text


Here’s a quick message you can send by email or text introducing Mutual Assurance. Just copy and paste it into your message and hit send. We’ll take it from there.

I don’t know if I’ve mentioned it before, but I’ve been working with Mutual Assurance for my homeowners insurance for a long time, and have been very happy with them. I was talking to my rep there the other day and realized I should put you in touch with them. I think you could benefit from being a member.

All you have to do is go to their website and answer a few pre-qualify questions, and they’ll reach out to see if your home meets membership requirements.  The address is

You can also call them at 804-355-1794 and start the conversation. It is well worth the effort.

Give them a call

Here are some talking points you can discuss:

  • The Perpetual Policy structure: the policy never expires and you only pay a small percentage of your premium after the first year.

  • The first-year premium is higher to cover initial membership and is made back in as little as 2-3 years. After that, the average 75% reduced costs are all “gravy.”

  • The Society qualification process takes longer because they want to make sure your home has the right coverage to meet your specific needs. It isn’t a one-size-fits-all model.

  • Mutual has been in business since 1794 and all by word of mouth from members.

  • Mutual is accountable to the members only, not hedge funds or stockholders.

  • Once someone becomes a Society member, they typically only leave because they move out of state, no longer need coverage, or have passed away.

  • Mutual has an average 4.995 Star Rating online and is quick to respond to any and all issues.

  • Go to or call 804-355-1794.

Complete a referral form

Fill out this quick form and we’ll take it from there. We’ll be sure to mention your name and include any comments you’d like to share when we reach out.


Thank you for your referral!

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