The landlord of your apartment or rental home has insurance, but it likely only covers the building itself. Your belongings and liabilty for accidents are your own responsibilty. That’s where Renters Insurance steps in. If your posessions are damaged or stolen, renters insurance can cover those losses. And if there is an accident or injury in your unit, Renters Insurance is there to help cover you if you are named in a lawsuit. You work hard for your personal possessions – don’t let renting be a reason that you aren’t fully protected.
Always check with your agent to understand the specific coverage, limitations and exclusions of any policy.
Coverage
Personal Property:
Personal property owned by the renter is covered for loss (theft, damage, destruction) under a Renters Policy, no matter the location. In addition, the personal property of guests in your property may also be covered.
Loss of Use:
If the property you live in should become uninhabitable for whatever reason, necessary increases in living expenses are covered by Renters insurance.
Additional Coverages:
Other coverage under a Renters can include debris removal, repairs, trees & shrubs, etc. See your agent for other coverage details.
Perils:
Direct physical loss to the property is also insured against certain named perils. Fire, lightning, windstorms, hail, smoke, vandalism, theft are just some of the perils for which a Renters policy can provide coverage. Your agent can give you a complete list.
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
How do I get a Renters Insurance Quote?
All Bear River Mutual insurance policies are quoted and sold through independent agents. Any agency representing Bear River Mutual can get you a quote for Renters Insurance. You can search for an agent here.
I live with roommates. Are they covered under my policy?
Only items owned by you are covered under your renters insurance policy.
What should I do if I have a renters insurance claim?
If you are a Bear River Mutual policyholder you can now file a claim online. You also always have the option to call us directly at 801-267-5000 to speak to one of our customer care representatives or contact your independent Bear River Mutual agent directly. They can also help you decide to file a claim or not.