While a home inventory list is not mandatory, it can be highly beneficial when determining the appropriate coverage levels for your insurance policy. Working alongside your agent, a home inventory list can help ensure that you have adequate protection for your belongings. It is a record that includes details like photographs and receipts, which can […]
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The choice of which insurance carrier to use is entirely yours. While a lender, realtor, or other party may offer recommendations, it is important to understand that they do not have the power to make this decision on your behalf. At Bear River Mutual, we believe in empowering our customers to make their own choices
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Yes, Bear River Mutual offers Buried Utility Line coverage, also known as Service Line coverage, as an optional addition to our homeowners policies. This endorsement provides coverage for various items, including: At Bear River Mutual, we understand the importance of protecting these critical components of your home’s infrastructure. Buried Utility Line coverage helps provide financial
Yes, Bear River Mutual offers Equipment Breakdown coverage as an optional addition to our homeowners policies. This endorsement provides coverage for a wide range of items, including kitchen appliances, home entertainment equipment, and air-conditioning systems. With Equipment Breakdown coverage from Bear River Mutual, you can have peace of mind knowing that unexpected breakdowns of important
Bear River Mutual has received an AM Best Rating of A- (Excellent). AM Best is the largest credit rating agency globally, specializing in evaluating the financial strength and stability of insurance companies. The AM Best Rating is significant because it provides an objective assessment of an insurer’s ability to fulfill its obligations to policyholders. A
What is Bear River Mutual’s AM Best Rating and why is it important? Read More »
We understand that circumstances may arise where you need to cancel your Bear River Mutual policy. While we’re sorry to see you go, we want to make the cancellation process as smooth as possible for you. Here’s what you need to do: By contacting your agent directly, you can ensure that all the required paperwork
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Earthquake insurance operates differently compared to other insurance policies. Here’s how it typically works: It’s essential to review your policy and consult your independent agent for a comprehensive understanding of how earthquake insurance works and the specific deductible amounts for different aspects of coverage. They can provide the necessary information and answer any questions you
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Earthquake insurance is additional insurance for a specific risk type (earthquakes). It provides coverage in the event that your home is damaged by an earthquake. Unlike a standard homeowner policy, which does not cover earthquake damage, earthquake insurance steps in to protect your property. Earthquake insurance may cover various aspects, including: It’s important to review
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Your independent Bear River Mutual agent can help you in obtaining this type of coverage for your property. While there may be certain underwriting guidelines that determine the availability of earthquake insurance, your agent can assist you during the process of obtaining a new policy quote or adding earthquake coverage after. They have the knowledge
Does Bear River Mutual sell earthquake insurance? Read More »
If your home has been damaged, we recommend taking the following steps: Remember, taking immediate action to mitigate further damage is crucial. Once you’ve ensured safety and documented the damage, contact us or initiate the online claims process to begin the necessary steps towards restoring your home.
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