Home & Condo Insurance

Your Dream Home Deserves Exceptional Protection

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, ensuring that your home and everything inside it are fully protected. As a Utah based, mutual company, we are dedicated to insuring the best drivers and the most responsible homeowners like you.

Discover the Difference of Personalized Coverage

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 and make memories, we understand that each property has its own story. Our expert team of independent agents will take the time to understand your specific requirements, crafting a customized homeowner insurance policy that provides the perfect blend of protection and peace of mind.

Why Choose Bear River Mutual?

At Bear River Mutual, we offer a comprehensive suite of Home and Condo insurance coverages meticulously designed to secure your home, your valuables, and your peace of mind. Our policies are intricately crafted to cater to the diverse needs of homeowners, providing 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. This regional insight is echoed 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 that values your trust and is centered 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.

Discounts Tailored for You

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.

Age of Home Discount: This discount is for homes that are newer. As newer homes are generally built with modern materials and techniques, they’re often less likely to suffer from certain types of damage, leading to fewer claims.
Claims Free Discount: If you have a history of no claims or infrequent claims, you may be eligible for this discount. It rewards policyholders for their careful maintenance of their property and minimal usage of their insurance.
High Insurance Score Discount: Policyholders who maintain a high insurance score – a measure of creditworthiness and claim risk calculated from credit history and other factors – can qualify for this discount.
Mortgage is Paid Off Discount: If you’ve fully paid off your home’s mortgage, you can receive this discount. It represents the lower risk associated with a homeowner who fully owns their home.
Mature Homeowner Discount: This discount is given to homeowners who are of a certain age. Mature homeowners are often more experienced in home maintenance and safety, reducing the risk of damage or loss.
Multi-Policy Discount: If you hold multiple policies with Bear River Mutual, such as auto and home insurance, you can enjoy a discount on your premiums. This is our way of saying thank you for your loyalty.
Non-Smoker Discount: Non-smoking households can qualify for this discount. Since smoking can increase the risk of fire damage, non-smokers often present a lower risk.
Alarm Discount: Homes equipped with certified alarm systems can qualify for this discount due to the decreased likelihood of burglary or fire damage.
New Purchase Discount: If you recently purchased your home or condo, you may qualify for this discount. This is our welcoming gift to you as a new homeowner policyholder.

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.

Beyond Four Walls: Safeguarding What Matters Most

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 extend coverage beyond the physical structure. From personal belongings to treasured possessions, we’ve got you covered. Our comprehensive coverage ensures that your belongings are protected against loss, theft, or damage, so 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 memories are made. That’s why protecting the physical structure of your home is essential. With Bear River Mutual’s Building Coverage, you’re safeguarded 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, you’ll be covered, preserving 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 structures that are detached from your main dwelling. Our Appurtenant Structures coverage ensures that these structures receive the same level of protection as your main dwelling, extending 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, so you can focus on getting back on your feet without worrying about financial burdens.

Personal Liability: Protecting You and Your Financial Future

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 safeguarded against unexpected liabilities that could jeopardize your financial future.

Liability Coverage: We live in an interconnected world where our actions can inadvertently affect others. Our Liability Coverage provides protection if you are found legally responsible for injuries or property damage to others. This includes Medical Payments, Damage to Property of Others, and Credit/Bank Card coverage, providing you peace of mind as you live your life.

Customize Your Coverage: Tailored Options for Extra Peace of Mind

At Bear River Mutual, we believe in giving you the power to customize your homeowner insurance to fit your unique needs. We offer a range of options to enhance your coverages, allowing you to increase the limits for your dwelling, personal property, or liability coverage. Our independent agents will guide you through the process, ensuring that your policy provides the right level of protection for your lifestyle and assets.

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 ensure that every aspect of your home is cared for. Whether you’re concerned about equipment breakdown or want to safeguard your home business, we have coverages to match your individual needs.

Protection Beyond the Expected: Equipment Breakdown and Utility/Service Line Coverage

We understand that life can throw unexpected challenges your way. That’s why our homeowner policies go above and beyond, offering specialized coverage options to provide even greater peace of mind. Our Equipment Breakdown coverage protects you from the costly repairs or replacements of essential equipment and systems, such as HVAC units and electrical panels, ensuring that the heart of your home keeps beating.

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.

Your Home, Your Protection: Trust Bear River Mutual

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.

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Let a trusted independent agent near you provide you with personalized assistance.

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.