FAQs

The amount of homeowners insurance coverage you require depends on various factors. Primarily, your coverage should be sufficient to cover the cost of rebuilding your home and replacing all your possessions in the event of a catastrophic event. Calculating the appropriate coverage amount involves considering factors such as the size, construction, and features of your […]

Absolutely, you have the flexibility to modify the coverage amount for your home insurance. If you are making improvements to your home, such as adding an extension, finishing your basement, or upgrading any other part of your property, it is crucial to ensure that your coverage aligns with the new value of your home. To

To receive a quote for homeowners insurance from Bear River Mutual, we recommend reaching out to one of our trusted independent agents. These agents are authorized to quote and sell Bear River Mutual insurance policies. Finding an agent in your area is simple. By clicking on our agent search tool, you can easily locate an

While a home inventory list is not mandatory, it can be highly beneficial when determining the appropriate coverage levels for your insurance policy. Working alongside your agent, a home inventory list can help ensure that you have adequate protection for your belongings. It is a record that includes details like photographs and receipts, which can

The choice of which insurance carrier to use is entirely yours. While a lender, realtor, or other party may offer recommendations, it is important to understand that they do not have the power to make this decision on your behalf. At Bear River Mutual, we believe in empowering our customers to make their own choices

Yes, Bear River Mutual offers Buried Utility Line coverage, also known as Service Line coverage, as an optional addition to our homeowners policies. This endorsement provides coverage for various items, including: At Bear River Mutual, we understand the importance of protecting these critical components of your home’s infrastructure. Buried Utility Line coverage helps provide financial

Yes, Bear River Mutual offers Equipment Breakdown coverage as an optional addition to our homeowners policies. This endorsement provides coverage for a wide range of items, including kitchen appliances, home entertainment equipment, and air-conditioning systems. With Equipment Breakdown coverage from Bear River Mutual, you can have peace of mind knowing that unexpected breakdowns of important