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State Directory- Auto InsuranceAt Bear River Mutual, our strict auto insurance qualification standards allow us to insure only the best drivers while consistently offering some of the lowest rates available. And Bear River Mutual policyholders can be confident knowing they are covered wherever they go throughout the United States and Canada – not just in Utah.
- Renters InsuranceWe’ve expanded our offering of insurance products through the years to include more than just home and auto. By offering Renters Insurance, Dwelling Insurance and Umbrellas Insurance, in addition to our home and auto, you can have the peace of mind of knowing that Bear River Mutual has you covered no matter your situation and needs in life.
- Home InsuranceBear River Mutual writes Dwelling Insurance on personally owned homes, buildings, duplexes, and fourplexes. Unlike homeowner insurance, dwelling insurance is typically written for rental properties. Our independent agents are experts in helping you understand when dwelling insurance is the best choice for your particular needs.
- Condo InsuranceAt Bear River Mutual, we only insure homes in Utah, which means we don’t base our rates on claims for homes built in hurricane zones or high tornado-prone areas. Our rates are based on local considerations and risks of responsible Utah homeowners who meet our high standards. It’s how we consistently offer some of the lowest rates available. Talk to one of our independent agents. They are experts in helping you find the right combination of insurance products that can best protect what you cherish most.
- Health Insurance
- Liability InsuranceLiability insurance on your home and auto policies is a great start—but based on your circumstances, you may need additional liability protection against unexpected events. Umbrella insurance provides an extra level of liability coverage. If you already have your home and auto policies with Bear River Mutual, we can write umbrella liability limits of $1 million or $2 million. Your independent agent can determine whether umbrella insurance is appropriate for you and help you meet our underwriting requirements.
- Earthquake InsuranceYes, you can purchase earthquake coverage as an added endorsement to your homeowner policy. Your independent Bear River Mutual agent is authorized to add that coverage for you, and can help answer any questions about your needs and risk.