Deductibles are increasing on auto and home policies beginning April 15, 2024. Please carefully review your renewal policy and reach out to your agent with any questions.
Insuring Each Other for Less
We live and work in Utah. It makes sense that we want
to insure our neighbors at the best price.
We work exclusively with independent agents so you
can be assured the best options will be presented even
if it’s another insurance company!
Accidents, theft, and storms are just some of the things
that can come with a heavy financial consequence.
Find out how we can help.
We Don’t Insure Everyone
We insure the Best Drivers and Most Responsible Homeowners.
Saying no to some keeps rates lower for others.
Local people solve local problems
Not only will we pronounce your city correctly, chances
are we know the best people in your area when help
1. Priced Right for Utah
2. Independent Agents
3. Coverage that Matters
5. Doing What Others Can’t
We Know Utah
We are one of the largest personal lines carriers in Utah for a reason. As a Utah only company, our local employees, network of independent agents, and preferred contractors and repair facilities understand what makes Utah, Utah!
Trusted by Generations
We have been providing financial backing to Utah residents since 1909. You can say we are a family tradition.
Local, Mutual Insurance
We serve members, not stockholders. You can rest easy knowing events in other parts of the country won’t impact your rates.
The Right Options
Whether it be lifestyle discounts or special coverages, our network of independent agents are positioned to serve your needs and interests.
Protecting what is important to you
You worked hard for what you have. Bear River Mutual knows how to protect it. All of our policies come with the financial backing and service of company that understands why insurance matters.
Our Auto Policy rewards your impeccable driving habits with premium protection, embodying our vision to insure the best drivers.
In line with our mission of ‘Mutually insuring each other for less’, our Home Policy offers comprehensive coverage for the most responsible homeowners. Secure your sanctuary with us, and become a part of our vision to protect the safest homes.
Navigating through condominium insurance can be tricky. That’s why our Condominium Policy offers comprehensive coverage that aligns perfectly with condo living, providing protection for your unit and personal possessions.
Just because you don’t own it, doesn’t mean you don’t protect it. Our Renters Policy is designed to shield your personal belongings and provide liability coverage in a rental property, ensuring you feel right at home.
Our Dwelling Policy provides specialized coverage that protects the structure of your rental property, securing your investment from unforeseen incidents.
In a world filled with uncertainties, our Umbrella Policy provides that extra layer of liability protection beyond your other policies, keeping you and your assets well-covered in all circumstances.
Bear River Mutual in Numbers
Hear From Our Customers
Interested in becoming a Bear River Mutual agent?
Let us know a little bit about yourself!