Mutual Assurance Society is a trusted brand that has been providing customized Homeowners Insurance to Virginians since 1794. Our unique offering, the Perpetual Policy, ensures the lowest lifetime cost for our policyholders. Unlike typical home insurance policies, with our Perpetual Policy, you pay a one-time premium that covers the entire life of the policy.

After that, you only pay a low annual assessment that is a small percentage of the annual premium. The longer you keep your policy, the more you save, with potential savings adding up to thousands of dollars. Our underwriting process is thorough, as we take the time to understand you and your home.

Becoming a member is easy: get an estimate, schedule a free home inspection, and discuss your coverage with an underwriter. With Mutual Assurance, home insurance is how it was meant to be. Get an estimate today or call us at (800) 648-1794 to start saving and protecting your home