Home & Condo Insurance

At Bear River Mutual, we believe that your home is more than just a building. It’s a reflection of your dreams, your hard work, and your cherished memories. That’s why we’re passionate about providing comprehensive homeowner insurance policies that go beyond the basics. Our policies fully protect your home and everything inside it. We are a Utah based mutual company dedicated to insuring the best drivers and the most responsible homeowners like you.

Your home is unique, and so are your insurance needs. Whether it’s your primary residence, where your heart and family reside, or a secondary home where you escape to unwind, each property has its own story. Our expert team of independent agents will listen to your specific requirements, crafting a customized homeowner insurance policy providing the perfect blend of protection and peace of mind.

At Bear River Mutual, we offer a comprehensive suite of Home and Condo insurance coverages. They are meticulously designed to secure your home, your valuables, and your peace of mind. We customize our policies to cater to the diverse needs of homeowners. Our coverages provide financial resilience in the face of unexpected mishaps or damages.

Our deep roots in Utah since 1909 have endowed us with an enriched understanding of local homeowners’ requirements. We echo this regional insight in our tailored offerings, with numerous discounts available to celebrate responsible homeownership.

Moreover, we uphold the fundamental conviction that insurance should be uncomplicated and honest. When you choose Bear River Mutual, you’re not simply signing up for a policy. Instead, you’re embracing a partnership with us in which we value your trust and center around your unique needs. We believe this isn’t a gimmick or a marketing ploy. It’s simply the ethos of how insurance should work. This unwavering commitment forms the cornerstone of our approach to delivering fair, transparent, and value-driven insurance services.

Being a responsible homeowner is a badge of honor you wear with pride. We recognize and celebrate that with a variety of specially designed discounts.

These discounts represent our dedication to providing the best value to our policyholders, rewarding responsible homeownership, and acknowledging the steps taken to reduce risks.

Get a Home or Condo Insurance quote today.

We know that your home is more than just four walls. It’s a sanctuary for you and your loved ones. That’s why our homeowner policies safeguard what matters most. They extend coverage beyond the physical structure. From personal belongings to treasured possessions, we’ve got you covered. With our comprehensive coverage, we protect your belongings against loss, theft, or damage. That way you can focus on what truly matters – creating beautiful memories within the walls you call home.

Building Coverage: Home is where the heart is. It’s the place you come back to after a long day, the structure that shields you from the elements, and the place where you make memories. That’s why protecting the physical structure of your home is essential. With Bear River Mutual’s Building Coverage, we safeguard you against damages from a multitude of potential threats, ensuring your home remains your stronghold.

Contents Coverage: From the priceless family heirlooms to the furniture you painstakingly selected, the belongings inside your home are more than just objects. They’re a reflection of your life and personality. Our Contents Coverage protects the personal items within your home. Should they be damaged or lost due to a covered peril, our policies cover you. This preserves the comforts and conveniences that make your house a home.

Appurtenant Structures Coverage: We understand that a home isn’t just confined to four walls. Your property extends to your shed, garage, fence, and other detached structures from your main dwelling. Our Appurtenant Structures coverage ensures that these structures receive the same level of protection as your main dwelling. We craft our coverages to extend safety to every corner of your property.

Loss of Use Coverage: Sometimes, life throws curveballs. If a covered disaster makes your home uninhabitable, where would you go? How would you handle the additional expenses? With our Loss of Use coverage, we help you manage these costs. This allows you to get back on your feet without worrying about financial burdens.

Accidents happen, and when they do, it’s important to have a safety net in place. Our homeowner policies include personal liability coverage, providing financial protection and legal support in the event of a covered incident. Whether it’s a slip and fall accident or property damage caused by a mishap, we’ve got your back. Rest easy knowing that you’re covereage safeguards you against unexpected liabilities that could jeopardize your financial future.

What Does Liability Coverage Include?

In today’s interconnected world, even a small mistake can lead to big consequences. If you’re held legally responsible for injuries or property damage, our Liability Coverage steps in. It includes:

• Medical Payments – covers minor injuries to guests, regardless of fault
• Damage to Property of Others – pays for unintentional damage you cause
• Credit and Bank Card Protection – helps cover unauthorized transactions in covered situations

With Bear River Mutual, you can live confidently—knowing you’re protected from unexpected liabilities.

At Bear River Mutual, we believe your homeowner insurance should fit your life — not the other way around. That’s why we offer a range of customizable options to enhance your coverage. Whether you need higher limits for your dwelling, personal property, or liability, our independent agents are here to help you tailor your policy to protect what matters most.

Additional Coverages: Every home, every homeowner, and every situation is unique, which is why we offer a range of additional coverages tailored to your specific needs. From Refrigerated Property and Rebuilding to Code to Electronic Data Restoration and Landscaping, we care for every aspect of your home. Whether you’re concerned about equipment breakdown or want to safeguard your home business, we have coverages to match your individual needs.

We understand that life can throw unexpected challenges your way. That’s why our homeowner policies offer specialized coverage options — like Equipment Breakdown and Utility/Service Line coverage — to provide even greater peace of mind. Whether it’s a failed HVAC unit or a damaged sewer line, we’ve got you covered when the essentials of modern living are disrupted.

Additionally, our Utility/Service Line Coverage safeguards you against the expenses of repairing or replacing damaged utility lines, such as water, sewer, and power lines. Don’t let unforeseen incidents disrupt your comfort and financial stability. Choose Bear River Mutual for comprehensive coverage that anticipates your needs.

Equipment Breakdown Coverage: Your home relies on various equipment to function efficiently, from HVAC systems to kitchen appliances. But what happens when they break down unexpectedly? That’s where our Equipment Breakdown Coverage comes in. We cover the cost of repairing or replacing broken equipment due to mechanical or electrical failure, keeping your home running smoothly with minimal disruption.

Service Line Coverage: Hidden beneath your property are the service lines that make modern living possible, connecting your home to various utilities. But damage to these lines can lead to expensive repair costs and significant inconvenience. Our Service Line Coverage protects you from the financial burden associated with repairing or replacing damaged service lines, ensuring your home remains connected.

When it comes to protecting your most significant investment, trust matters. Bear River Mutual is more than just an insurance carrier. We’re a community of responsible homeowners and dedicated agents, all working together to ensure that you receive the exceptional coverage and service you deserve. Experience the Bear River Mutual difference today by contacting a local independent agent. Together, we’ll create a homeowner insurance policy that is as unique as your home itself. Let us be your partner in protecting what matters most – your dream home.

Please note the information presented on this site is intended as a general guide to our insurance products and services. The actual policies, coverages, limits, and policy language are subject to the terms and conditions of the specific insurance contract issued. Any purchase of insurance should be based on these specific contracts and not the general information provided on this site. Always consult with a professional insurance advisor for advice specific to your needs.