Finding the Right Bear River Mutual Insurance in Utah

Bear River Mutual Insurance Company is a top insurance provider for Utah residents. With over 75 years serving the state, Bear River offers competitive rates on auto, homeowners, renters and umbrella insurance coverage. This article provides an overview of Bear River Mutual Insurance, policy options, discounts, coverages and tips for finding the best local agent to get a quote.

Overview of Bear River Mutual Insurance

Bear River Mutual is a Utah-based regional insurance company providing policies across the state since 1945. Some key facts about Bear River Mutual Insurance:

  • Offers auto, home, renters, dwelling and umbrella insurance – Provides a full range of personal and commercial insurance products.

  • A.M. Best A- rating – Demonstrates excellent financial strength and ability to pay claims.

  • Over 75 years in business – Has a long track record serving Utah residents and businesses.

  • Focus on local service – Employs Utah-based agents who understand local community needs.

  • Highly rated for claims service – Policyholders consistently give positive reviews for claims handling.

As a regional mutual insurance company, Bear River is owned by policyholders rather than shareholders. This helps align incentives around providing quality insurance products, competitive pricing and great customer service for Utah customers.

Auto Insurance from Bear River Mutual

Bear River writes standard auto insurance policies that can include:

  • Liability coverage – Bodily injury and property damage liability.

  • Comprehensive and collision – Covers damage to your vehicle from events like theft, vandalism, weather, fire, animals, collisions and more.

  • Uninsured/underinsured motorist – Protects you if involved in an accident with a driver who has no or insufficient insurance.

  • Medical payments – Covers medical expenses for injuries to driver and passengers.

  • Rental reimbursement – Pays for a rental car if yours is in the shop after a covered claim.

  • Roadside assistance – Provides towing and services like battery jump starts, lock out service, fuel delivery and flat tire changes.

Bear River also offers usage-based insurance where premiums are based on actual driving habits monitored through an app or device installed in your vehicle. This can help lower rates for safe, low-mileage drivers.

Discounts on Bear River Auto Insurance

Bear River offers many common auto insurance discounts including:

  • Multi-policy discount
  • Good student discount
  • Defensive driver discount
  • Low mileage discount
  • Anti-theft device discount
  • Good payer discount

Combining qualifying discounts can lead to significant savings on your auto insurance premiums.

Home Insurance from Bear River

For homeowners insurance, Bear River Mutual sells HO-2, HO-3, HO-4 and HO-6 policy types covering:

  • Dwelling – Covers rebuilding costs up to guaranteed replacement cost.

  • Other structures – Protects detached structures like garages, sheds and fences.

  • Personal property – Covers personal belongings inside home.

  • Loss of use – Pays additional living expenses if home is uninhabitable after a covered loss.

  • Personal liability – Protects against liability claims for bodily injury or property damage to others caused by you, family members or pets.

  • Medical payments – Covers medical costs to others injured on your property regardless of fault.

Bear River home insurance also covers expenses and legal costs for specific events like fire department charges, credit card/identity fraud, loss assessment and more. Optional endorsements can add protection like scheduled personal property or coverage for jewelry, firearms, silverware and other valuables.

Discounts on Bear River Home Insurance

Home insurance discounts offered by Bear River Mutual include:

  • Multi-policy discount
  • Protective device discount for alarms, fire extinguishers, sprinklers
  • New home discount
  • Claim-free discount
  • Companion policy discount when insuring second/vacation home
  • Mature homeowner discount at age 55+

Bundling auto and home insurance with Bear River can maximize discounts up to 20% or more.

Umbrella Insurance from Bear River

Bear River Mutual sells umbrella insurance policies from $1 million to $5 million in coverage beyond standard auto and home insurance limits. This provides an extra layer of protection for high net worth individuals and families.

Umbrella insurance covers liabilities related to:

  • Auto accidents
  • Home and property accidents
  • Libel, slander, defamation of character
  • Invasion of privacy
  • Other personal injury claims

Having sufficient umbrella coverage is important for substantial assets and to guard against lawsuits.

Finding the Best Bear River Mutual Agent

The key to getting great service and the optimal insurance rates is working with a top local independent insurance agent that represents Bear River Mutual. The agent can compare Bear River policies and pricing to other insurance companies and find the best value tailored to your specific needs.

Things to look for in a Bear River Mutual insurance agent:

  • Trusted and experienced – Well-established agency with positive reputation. Look at online reviews.

  • Licensed professionals – Agents have undergone training and licensing.

  • Personalized service – Take time to understand your unique situation.

  • Choice of insurers – Quote and compare rates from Bear River Mutual and other top insurance companies.

  • Policy review – Conduct an annual policy review to ensure adequate coverage as your needs change.

  • Superior claims service – Provide assistance and advocacy in the event of a claim.

  • Local presence – Preferably located in your community for convenient service.

Get a Free Quote on Bear River Insurance

Finding the right insurance protects the assets you’ve worked hard for. To get a customized quote on auto, home, renters or umbrella insurance from Bear River Mutual, visit Keystone Insurance to receive personalized service and advice from a top-rated local agency.

Using an independent insurance agent gives you an advocate to find the optimal coverage at the best price point from Bear River Mutual and other leading insurance carriers. Take a few minutes to get a free insurance quote and see how Bear River Mutual can save you money while protecting what matters most.

Bear River Mutual Insurance Review Utah


How do I contact Bear River Mutual?

You can now file a claim online on our Customer Site. You may also contact our 24-hour claims reporting service at 801-267-5000.

What is the history of Bear River Mutual?

The company was organized July 1, 1909, in the Northern Utah farming community of Garland along the banks of the Bear River. It was formed shortly after the founding of Garland as a way to help the local farmers obtain insurance at more affordable rates than Utah’s other companies offered.

Does Bear River cover towing?

Bear River Mutual roadside assistance can help with towing, lockout or even gas delivery. This is additional coverage that can be added through your independent Bear River Mutual agent.

What is the minimum insurance coverage in Utah?

All Utah drivers must carry proof of auto insurance and present it to any law enforcement officer upon request. The following minimum car insurance coverages are required in Utah: Bodily injury liability: $25,000 per person and $65,000 per accident. Property damage liability: $15,000 per accident.

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