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Who We Are

Mutual Assurance is a society of approximately 20,000 members in Virginia who have joined together to insure each other’s homes. Founded in 1794, we have protected some of Virginia’s famous historic houses, along with the homes of many of your neighbors and friends.

The 200th Anniversary Firemark

What makes us unique?

Mutual Assurance continues to use the same business model that was established when the company was founded in 1794.  We offer a perpetual homeowner policy that never expires as long as the conditions of membership are met. New applicants pay a one-time premium to become a member, followed by low annual assessments that are a fraction of the premium.  This means significant savings over the life of the policy. 


It is the way home insurance was meant to be.

Virginia's best-kept secret

For the past 229 years, Mutual Assurance has relied primarily on referrals from current members for new business. Membership is such a great deal that our members love to share the secret with their friends and family members. In fact, generations of Virginia families have insured their homes with us as a result.

Diversity, Equity, & Inclusion

As responsible corporate citizens, we believe that a diverse and inclusive community makes Virginia a better place to live and work. We ensure that underserved and historically disadvantaged communities have a voice in shaping our future. We oppose racism, sexism, inequality, and social injustice in all forms, wherever it exists. Our organization is committed to the following:


  • Ensuring that our products and services are designed to meet the home insurance needs of all Virginians.

  • Creating an inclusive workplace that celebrates diversity by employing a workforce inclusive of race, sex, color, ethnicity, gender, sexual orientation, gender identity and expression, religion, nationality, age, disability and marital and parental status, Veterans status, thoughts, and ideas.

  • Making a difference in our communities through our corporate giving. By partnering with United Way organizations throughout Virginia, we seek to create positive outcomes for underserved and historically disadvantaged communities. Each year, approximately seventy percent of our corporate giving is directed to United Way organizations in communities throughout Virginia.

  • Partnering with vendors that share our commitment to creating more diverse, inclusive, and just communities.

Or call us at 800-648-1794

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