Bear River Mutual has a reputation of being one of the best Auto Insurance companies in Utah and the country. In fact, it made Ward’s Top 50 P&C Insurance companies for 5 years straight (2008-2013).Although they’re known for their auto coverage, Bear River Mutual ® also offers exemplary home, personal umbrella, renters, and dwelling fire policies for our clients.
Your home is most likely your most valuable financial asset; if you were to include all the personal property within its walls, it likely contains most of your life’s treasures. Having a home insurance policy in Provo is one of the easiest safeguards for your family’s security. Home insurance policies also provide coverage if you suffer a loss due to appliance failure, theft or vandalism. If you live in an area prone to natural events, such as lightning strikes and wildfires, adding dwelling fire coverage can be a smart route as well. You see it on the news daily, where unforeseen events can quickly turn the tables on homeowners. With so many possible variables, we encourage all of our clients to acquire home insurance in Provo.
If you have a portfolio that has additional assets, such as land, rental properties, vacations homes, and so on, another layer of protection you can provide your family with is personal liability umbrella coverage. An umbrella policy comes into play when the liability-limits are exhausted on your existing home or auto policies. Unfortunate examples are if your dog were to bite someone in your yard or there is an ATV accident on your land or fire in your rental condo that spreads to other units – what would you do? Most likely you’d max-out your previous limits and be held personally accountable for the remainder. This is the exact situation where umbrella coverage can save the day!
Just because you don’t currently own a home, doesn’t mean you haven’t amassed assets and personal belongings that feel irreplaceable. Whether you’re just starting out in Provo or are in-between homes while you move, if you’re a renter, we suggest renters insurance for our clients. The benefits of renters insurance are many; it covers everything from furniture to clothing and computers and sporting goods. Additionally, renters insurance can protect you in the event you bring an appliance into your unit that malfunctions, such as a washing machine that leaks to the unit below or a curling iron that was forgotten that causes a small fire. Accidents happen and we all experience them, but protecting yourself from financial ruin due to expensive litigation is a must.