Not Just a Policy
We understand filing a claim and insurance in general can be stressful. We strive to make the process as easy as possible.
Transparent Pricing
It matters to us that you understand what you are paying for and what can impact your pricing.
No Gimmicks
We don’t have a gecko, and we don’t pretend picking your coverage is something unique.
1. Exceptional Service
2. Nothing to Hide
3. The Real Deal
Insurance should be more than just a Policy
Being insured with Bear River Mutual means you have the financial protection of your Policy, but it also means we have your best interest in mind.
Help When You Need It
If you have a broken taillight, water in your basement, a severe accident, or even just a question, our Agents and staff are ready to help you navigate your concerns.
Price Protection
As a Utah resident, you should not have to pay for storms in Florida or stolen vehicles in California. We price according to risks in Utah, not other parts of the country.
Your Money Matters
Insurance is rarely considered cheap when it comes to cost. We don’t think you want to pay for large TV ad campaigns or racing teams in additional to what it costs to get the coverage you need. Our competitive pricing is for our policies and the service that comes with them, not to fund national marketing teams.
Protection You Deserve
Start with us, and stay with us:
It is true that we have age restrictions for new Auto insurance customers. For single individuals, the policy owner (aka, named insured) must be at least 25. If married, at least one named insured must be 21 or older. However, if you are on your parents policy as a driver and are ready to have your own policy, the age restrictions are relaxed to 18 years of age, subject to other underwriting guidelines. Even better, you may even be able to benefit from some of the discounts your parents earned on your new policy.
If you are renting long-term, renting short-term while building a home, or changing homes, we have policies that can cover you for each stage of your journey. Even if you are changing homes and decide to rent out your old residence, we have options to protect your assets.
Our policy holders are able to benefit from discounts that accumulate over time. It is just one way we are able to help the best drivers and most responsible homeowners that appreciate the stability of Bear River Mutual.
Benefit from Account Bill
Customers that pay for more than one policy can look forward to simplified billing options. Regardless of the number of policies you have with us, you have the flexibility to have all of them included on the same billing statement and pay against a single account. We will automatically apply your payment based on where the amounts are due. If account bill is not right for you, no problem. Simply let your agent know that you would like each policy to be billed separately.
If you pay your insurance premiums to a mortgage company, we will bill the mortgage company directly. Policies paid by a mortgage company will not be included on personal billing accounts.
Billing Statements are usually issued on a regular basis, such as monthly, quarterly, or annually, depending on the payment terms of the policy. The amount due may vary based on factors such as changes you have made to coverage.
It’s important to pay insurance account bills on time to take advantage of prompt payer discounts, avoid lapses in coverage or other penalties, such as late fees or cancellation of the policy. If you have any questions or concerns about your statement, you should contact your agent or our customer care team for assistance.
How we protect the contents of your home:
Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!
Concerned about what would happen if you were on a vacation and your items are stolen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.
How we protect the contents of your home:
Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.
How we protect the contents of your home:
Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.
How we protect the contents of your home:
Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.
How we protect the contents of your home:
Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.
How we protect the contents of your home:
Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.
How we protect the contents of your home:
Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.
How we protect the contents of your home:
Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.
How we protect the contents of your home:
Most of us assume that our furniture and appliances are covered by a Homeowner insurance policy when really bad things happen, such as a house fire. Protection afforded to you through a Bear River Mutual insurance policy can go much further!
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Concerned about what would happen if you were on a vacation and your items are stollen from your hotel room? What about if misjudge the height of parking garage and a bicycle that is on your cars roof rack gets damaged? Even that once in a lifetime event when a deer runs through your patio door and turns your living room into a mosh pit. You may be pleasantly surprised that all of these things can be safely insured under the same policy that protects your house.
Always rend the Policy that applies to the coverage term or speak with your Agent for specific limitation.
Hear From Our Customers
