At Bear River Mutual, we only insure homes in Utah, which means our rates aren’t based on claims for homes built in hurricane zones or in high tornado-prone areas. They’re based on local considerations and risk profiles of responsible Utah homeowners like you who meet our high standards. It’s how we consistently offer some of the lowest rates around. Talk to one of our independent agents. They are experts in helping you find the right combination of insurance products to best protect what you cherish most.