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Bear River Mutual

The Right Insurance For You

Orem Utah Auto Insurance Quotes
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Auto Insurance

Auto Insurance  shields you from financial loss if you are ever in an accident or experience theft.

Blue house with walkway, Orem Utah. Get home insurance quotes for this charming property
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Home Insurance

Home Insurance covers losses and damages to a person’s residence, including furnishings and other assets inside the home.

Orem Utah Renters Insurance Quotes
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Renters Insurance

Renters Insurance helps people renting a home, apartment, condo, or townhouse. It covers belongings, liabilities, and expenses.

Damaged building from a storm. Have you included earthquake insurance in your policy?
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Earthquake Insurance

Earthquake Insurance reimburses you for the damage caused by a seismic event and covers temporary living arrangements.

A person holding a red umbrella over a ball and chain. Image representing 'Utah Umbrella Insurance Quotes'
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Umbrella Insurance

Umbrella Insurance covers large liability claims or judgments  that exceed regular homeowner, auto, and watercraft coverage.

Why Choose an Independent Agent Over Buying Online?

That’s why it’s important to talk with an independent agent before you buy your insurance. Advance Insurance knows how to ask the right questions, drudge through the red tape that many insurance companies have, value-hunt the policies, and deliver the right coverage at the right price for your specific insurance needs. We have your best interests at heart—not a monthly sales goal.

No-Obligation Insurance Advice From the Experts

Buying insurance online has become a popular choice for many people. While most find a good price on the policy they want, they also condense their lives into a quick questionnaire that helps determine the policy that is best for them. This may work for some, but it also leaves many underinsured and looking for answers in times of need.

What our Customers are Saying

Fernando Sanchez
Fernando Sanchez
I had no agent. When I called Nationwide they directed me here. I felt it was sketchy cuz they wanted to put my bank account number on the progressing insurance file. I kept checking my bank and everything is normal. Everything that I have asked of them was processed without any issues. You’ll need patience if you want a new quote. I didn’t get my quote for a couple hours and had to keep asking for updates cuz I was in the dark and wasn’t sure if my requests were still being worked on. The girl over the phone was nice and never lost her patience with me. Thankfully I never lost my patience either. The money that was supposed to come out of my account came out a couple days later and everything is as it should be. 4 stars.
Katelynn Barrett
Katelynn Barrett
P good
Jesse Loveless
Jesse Loveless
Great service knowledgeable people 3 stars because of survey
Frank Felsch
Frank Felsch
Grate severe
Steve McNabb
Steve McNabb
I was pleasantly pleased having just worked with Advance Insurance to secure auto insurance. They offered me several choices to select from so I chose Bear River. Brandon was very personable, friendly and knowledgeable. They were also friendly answering the phones.Thank you Brandon and Advance Insurance.

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How Can We Help You?

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What can happen if I drive in Utah without Auto Insurance?

Under no circumstances should you drive without insurance. In Utah, every driver must be insured; otherwise, they may face stiff fines and driver’s license penalties. Not only is it legally required, but it is crucial for protecting yourself, other drivers, and personal assets. At the same time, we know that not all insurance policies are drafted the same. If you are experiencing a rise in your premiums, it may be time to switch to cheaper coverage. At Advance Insurance, we pride ourselves on providing affordable, comprehensive Auto Insurance. 

As a homeowner in Utah, will Home Insurance benefit me?

Yes, residents of The Beehive State should have Home Insurance. As Utahns, we know what it is like to go from scorching summers to freezing winters, and with extreme climate changes, the risk of damage to your home increases. The better your coverage, the less you will have to pay out of pocket if disaster strikes. Our experienced insurance agents understand the specific needs of local communities, so they can craft the perfect combination of insurance products to secure your home. 

Is Renters Insurance required by law?

No, Renters Insurance is not government-mandated. However, it is legal for landlords and management companies to ask tenants in an apartment complex to purchase it as part of their lease agreement terms. For most tenants, this type of insurance is an invaluable tool to protect them from devastating monetary consequences. Fortunately, Advance Insurance makes it easy to purchase a well-rounded policy that covers personal property damage, personal liability, and loss of use. 

What are the benefits of Earthquake Insurance for home and business owners?

Earthquake Insurance is on most homeowners and business owners’ minds in Utah as the frequency of earthquakes increases, especially since most of our population lives on the Wasatch Fault Line. These seismic events can result in severe damage to your home and belongings, so we cannot recommend insurance enough. This type of insurance can be perceived as costly, but it is far more affordable than dealing with the aftermath of an earthquake without the proper coverage. 

How can Business Insurance protect my company?

Businesses cannot go without Business Insurance because it helps cover the costs associated with property damage and liability claims. This is detrimental to keeping companies afloat when the unexpected occurs. Without this type of insurance, a business owner would need to pay out-of-pocket for expensive damage to their company’s structure and any legal claims against them. A solid policy covers bodily and personal injury, property damage, advertising injury, and legal defense and judgments. Get in touch with one of our agents to see how our comprehensive coverage can protect one of your most precious financial assets. 

How exactly does Umbrella Insurance work?

Many people do not know what Umbrella Insurance is, but our knowledgeable agents are here to help. This type of insurance covers liability that goes above and beyond your auto and homeowners insurance, and the coverage starts where other policy coverage ends. Oftentimes, this type of coverage can extend to thousands or even millions of dollars. Simply put, it provides extra liability coverage and is effectively last resort insurance. Similar to how we save up money for a rainy day, Umbrella Insurance is the perfect backup for a myriad of situations outside of your control. 

Why Do I Need Home Insurance?

If you’re a homeowner, you must know that home insurance isn’t a luxury you can skip out on—it’s a necessity. If a fire, lightning, hurricane, vandalism, and other events outside of your control occurs, you may be able to receive compensation so that your property can be repaired or even fully rebuilt. Furthermore, your personal belongings, such as clothing, electronics, furniture, and other valuables are likely to be covered if they’re ruined in a covered natural disaster. Another benefit to consider is liability coverage, which can protect you from lawsuits filed by others. Find out how our coverage can keep your property and belongings secure by talking to one of our specialists.