Our Purpose
Founded on Benevolence and Guided by Service.
For more than 230 years, Mutual Assurance has been guided by a simple but enduring
principle: benevolence—placing the interests of our members first.
This philosophy continues to shape everything we do today. As a member-owned company
serving homeowners exclusively in Virginia, we are committed to providing quality insurance
protection at a reasonable cost through careful underwriting, responsible financial stewardship,
and a genuine understanding of our members' needs.
We believe insurance should be more than a yearly transaction. It should be a long-term relationship built on trust, personal service, and a shared commitment to protecting the homes and communities that make Virginia unique.
These principles continue to guide every decision we make and every relationship we build with the members we serve
The 200th Anniversary Firemark
Practice Benevolence
Putting our members' interests first in every decision we make.
Protect What Matters
Providing quality insurance protection for Virginia homeowners.
Think Long Term
Responsible stewardship helps protect today's members and future generations.
Serve With Integrity
Personal guidance, financial strength, and trusted relationships.
The Mutual Difference
The values that have guided Mutual Assurance for generations aren't just part of our history—they're reflected in the way we serve our members every day. From personal service to long-term stewardship, these are the qualities that define who we are today.
Member-Owned
As a member of the Society, you're more than a policyholder—you're an owner.
Unlike stock insurance companies that answer to outside shareholders, Mutual Assurance is governed for the benefit of its members.
Members elect the Board of Directors, who are themselves members and are responsible for overseeing the Society, establishing the annual assessment rate, and helping ensure its long-term financial strength.
Personal Service
Exceptional service has always been one of the hallmarks of Mutual Assurance.
Our members work directly with one underwriter who gets to know them and their home, and if a claim occurs, one claims representative will guide them through the process from beginning to end.
This continuity allows us to provide the thoughtful, personalized service our members have come to expect.
Exclusively Virginia
Virginia isn't just where we do business—it's our home.
By serving homeowners exclusively across the Commonwealth, we've developed a deep understanding of Virginia's homes, communities, and the unique risks they face.
It's a focused approach that allows us to provide knowledgeable guidance and protection tailored specifically to the people we serve.
Long Term Stewardship
Every policy written since 1794 represents a promise made to a Virginia homeowner.
We continue to honor that promise through responsible financial stewardship, thoughtful decision-making, and a commitment to protecting the long-term strength of the Society for the benefit of today's members and future generations.
By The Numbers
230+
Years of Service to
Virginia Homeowners
17,000+
Members
1794
Founded
95%
Member Retention Rate
The People Behind The Promise
Behind every policy, inspection, and claim is a team of experienced professionals committed to serving our members with knowledge, integrity, and genuine care. We believe exceptional service begins by investing in the people who provide it, creating an environment where relationships can grow and expertise can flourish.
That commitment is reflected in the longevity of our team. Our employees build careers here, giving our members the confidence of working with familiar faces who know them, understand their homes, and are committed to serving them for years to come.
96%
Employee Rentention Rate
People who choose to build their careers with Mutual Assurance.
11 years
Average employee tenure
Experience that benefits our members.
Discover More
Our Perpetual Policy
Unlike traditional homeowners insurance, our Perpetual Policy is built for the long term. Discover how it works, why it's different, and why it's been protecting Virginia homeowners for generations.
Learn How It Works
Our History
Discover more than two centuries of protecting Virginia homeowners and the people, places, and milestones that have shaped the Society since 1794.
Explore our history
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