At 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.
Get a home insurance quote today.
Coverage
Primary Residence:
Insuring and protecting your home is one of the most important financial decision you can make.
Secondary Residence:
If you own a second home (or more), you should also financially protect yourself with a policy similar to your primary residence.
Personal Liability:
Do you know the extent to which you’re liable for accidents on your property? Your independent agent knows how to protect you.
Earthquake:
Don’t let an earthquake shake up your financial future. Earthquake coverage adds protection and peace of mind.
Condominium :
Condos, twin homes and, townhomes have special requirements—and may qualify for special discounts.
Equipment Breakdown and Utility/Service Line Coverage:
Bear River Mutual now offers Equipment Breakdown coverage for electrical devices and equipment in your home. And your buried utility lines such as gas, electricity, and water/sewer are now available with optional Buried Utility Line coverage on your Bear River Mutual homeowners policy.
Bear River Mutual is part of a tradition that began in 1752 when Benjamin Franklin founded the first mutual insurance company. Learn how being part of a mutual company is different.
Frequently Asked Questions
Does Bear River Mutual offer Equipment Breakdown Coverage with their homeowners policies?
Yes, Bear River Mutual has recently added Equipment Breakdown coverage as an optional coverage on our homeowners policies. This endorsement to the policy provides coverage for things from kitchen appliances to home entertainment equipment to air-conditioning systems.
Learn more about Equipment Breakdown coverage from Bear River Mutual.
Does Bear River Mutual offer Buried Utility or Service Line coverage with the homeowners policies?
Yes, Bear River Mutual has recently added Buried Utility Line (also known as Service Line) coverage as an optional coverage on our homeowners policies. This endorsement to the policy provides coverage for things like:
- Underground piping such as water, sewage, and gas lines
- Any buried connections, valves, or equipment that serve underground piping
- Underground wires such as electrical cable, power lines, and communication or data wiring
Learn more about Buried Utility Line coverage.
Does my mortgage lender choose my insurance carrier?
The decision of which insurance carrier you use is always up to you. A lender, realtor or other may recommend a company, but they cannot make that decision for you.