I'm with Bear River Mutual, they are awesome.. I use GMI in Provo as my agent, they have been great, been with them for almost 20 years. When we had everything burn in the fire a few years ago in Indianola I had my money before my brother in law could get a claim adjuster from Farmers. They covered things they didn't have to and my rates never went up. My wife likes to hit objects and cars, my rates never change. The only car I have had that they wouldn't cover was a Nissan 300Z, they wont insure that, and I almost bought a new Corvette a couple years ago and I had to call and interview with someone to get coverage but the premium was only going to be around $400 every six months.