Trusted Insurance
Bear River Mutual is Utah’s oldest mutual property and casualty insurance company and strictly serves Utah residents.
They’re unchanged, founding values of integrity, honesty, hard work, and service to their community.
Quality Insurance, Great Prices
As a mutual company, Bear River Mutual Insurance can offer clients high-quality insurance at reasonable prices because they are a mutual company. This means the company is owned by its policyholders and all payments are placed into a common fund that covers claims. Their company organization allows them to keep their operating costs and insurance rates low.

Auto Insurance
You’d rather spend more time driving them than thinking about insuring them. We get it. You can be confident you’re covered wherever you go in the U.S. and Canada. Coverage highlights include liability, physical damage, uninsured/underinsured motorists, personal injury protection, 24/7 roadside assistance, rental car reimbursement, and RV/motor home/trailers.

Home & Condo Insurance
Your house isn’t just a roof over your head. It’s memories made, memories to come, and your family’s safe haven. Coverage highlights include primary residence, secondary residence, personal liability, earthquake, and equipment breakdown and utility/service line coverage.

Renters Insurance
Your landlord insures the building, but not your family’s belongings. Renters insurance keeps your personal property safe. Coverage highlights include personal property, loss of use, and other specialized coverages.

Dwelling Insurance
Dwelling insurance is designed and typically used for rental properties. Coverage highlights include dwelling and other structures.

Umbrella Coverage
Just like you need an umbrella on rainy days, umbrella insurance keeps you covered when your standard auto and home insurance policies may not cut it. Coverage highlights include damages and certain lawsuits.
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Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.