FAQs

What is earthquake insurance and what does it cover?

Earthquake insurance is additional insurance for a specific risk type (earthquakes). It provides coverage in the event that your home is damaged by an earthquake. Unlike a standard homeowner policy, which does not cover earthquake damage, earthquake insurance steps in to protect your property. Earthquake insurance may cover various aspects, including: It’s important to review […]

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Does Bear River Mutual sell earthquake insurance?

Bear River Mutual does not offer earthquake coverage. Your independent Bear River Mutual agent can help you in obtaining this type of coverage for your property. While there may be certain underwriting guidelines that determine the availability of earthquake insurance, your agent can assist you during the process of obtaining a new Home policy quote

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Can I choose any contractor for my home repairs, or do I have to use a recommended Bear Care Home Repair contractor?

The decision of which contractor to use for your home repairs is entirely up to you. We want you to feel comfortable and confident in your choice, so you should never feel pressured to select a contractor that you are not comfortable with. While we highly recommend using a Bear Care Home Repair Program contractor

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If the accident is not my fault, do I still have to pay my deductible?

Yes, even if you are not at fault, your deductible still applies. However, rest assured that once your claim is settled, we will assist you in recovering the deductible amount from the responsible party. The deductible will be subtracted from the total damages, and we will work diligently to ensure that you are reimbursed for

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