Bear River Mutual

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. 

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. 

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. 

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. 

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. 

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. 

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.