Bear River Mutual insurance review 2022
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Bear River Insurance may be a good provider for Utah residents, but it may not offer some of the advantages of a larger insurer.
- Local insurance expertise and customer support
- Excellent financial strength rating
- Mutual insurance company, owned by the policyholders
- Only available in Utah
- No online quotes
- Limited insurance products available
- No car or home insurance discounts advertised
Bear River Mutual car insurance
If you live in Utah and need a standard car insurance policy, Bear River auto insurance could be a decent option for you to consider. However, Bear River is not among the list of best car insurance companies nationally that Bankrate has reviewed, largely due to its limited availability and coverage options. The available endorsements include rental reimbursement and roadside assistance.
Bear River Mutual car insurance discounts
Bear River Mutual car services
One of the unique features of Bear River Mutual is the company’s Bear Care Direct Repair Program. If your car is damaged in a covered claim, you can choose from one of the Bear Care program’s vetted auto body shops that provides repairs. Work that is completed by a Bear Care Direct Repair shop is guaranteed by the insurance company for as long as the policyholder owns their vehicle.
Bear River Mutual home insurance
Based on our assessment, Bear River home insurance offers fairly standard coverage compared to other national or larger regional carriers. The company only insures homes in Utah, with coverage available for primary and secondary homes. Bear River’s website is not especially informative about what its home policies cover and what coverage limits are available, so you may be best served speaking to an agent to learn if a home policy will meet your insurance needs. We did find that, in addition to basic liability insurance, you could add coverage for equipment breakdown, a buried utility line and earthquakes to your policy.
Bear River Mutual home insurance discounts
Bear River Mutual home services
Bear River’s Bear Care Repair Program is also available for home insurance claims, which is a fairly unique feature among home insurance companies. If your home is damaged in a covered loss, you could hire a contractor through the Bear Care Home Repair Program to get repairs backed by a three-year guarantee.
Other Bear River Mutual perks worth considering
Bear River Mutual Insurance Company advertises fewer perks and insurance policies than some of its competitors. The website also lacks detailed information about what its policies cover.
However, the company does list a few other policies you may be interested in considering from Bear River Mutual, which include.
- Renters insurance
- RV insurance
- Dwelling insurance for rental properties
Bear River Mutual corporate sustainability
With its close ties to Utah communities, Bear Mutual and its employees make dedicated efforts to give back to Utah families through charity and fundraising events. Some organizations and events Bear Mutual has partnered with include Red Cross Blood Drives, Utah Food Bank Drives, Toys for Tots and the Salvation Army Angel Tree program.
Not sure if Bear River Mutual is right for you? Consider these alternatives
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Age: Rates were calculated by evaluating our base profile with the age 16 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and a single at-fault accident.
- Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000
- Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000
- Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000
- Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.