Home Insurance Utah | Bear River Mutual

Home & Condo Insurance

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.


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.


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.