WyomingHomeowners Insurance

Find the Best Homeowners Insurance Rates & Companies in Wyoming

Homeowners insurance costs in Wyoming are, on average, cheaper than the overall US average of $1,211 per year. In Wyoming, residents pay about $1,159 annually for their home insurance. With more affordable coverage options, getting home insurance in Wyoming can be more accessible than in other areas of the country.

The current average home value in Wyoming is $319,529. Since your home is likely to be one of your largest investments, it needs the right protection. A home insurance policy can help protect you against large financial losses after a disaster occurs.

Fortunately, an independent insurance agent in Wyoming can help you find the right home insurance policy for your needs. But up first, here's a closer examination of homeowners insurance requirements and more in Wyoming.

Best Homeowners Insurance Companies in Wyoming

It's helpful to skip right to the best homeowners insurance companies in your area when you're looking for coverage. To get coverage of the highest quality, start with our list of the best home insurance companies in Wyoming. To get you started, here are just a few of our top picks.

• Travelers: Founded in 1864, Travelers offers home insurance and many other coverages. The insurance company has the highest possible financial strength rating of "A++" from AM Best and is known for providing high-quality customer service.
• Stillwater: Founded in 2000, Stillwater offers many types of home insurance products along with other personal and business coverages. The insurance company has excellent ratings from both AM Best and the Better Business Bureau (BBB) and offers 24/7 claims reporting.
• Acuity: Founded in 1925, Acuity offers home insurance along with tons of other personal and business coverages. The carrier has an "A+" or "superior" rating from AM Best and offers 24/7 claims reporting.
• Nationwide: Founded in 1926, Nationwide provides home insurance products along with many other personal and business coverages. The insurance company has highly customizable policies and an "A+" rating for financial strength from AM Best. 

A Wyoming independent insurance agent can help you find the right home insurance policy for you from one of these top-rated carriers.

What Can Homeowners Insurance in Wyoming Cover?

Wyoming's most common natural disasters include wildfires, floods, severe storms, and winter storms. With a home insurance policy, you can get reimbursed for damage caused to your home or personal property by many of these disasters. Damage caused by natural flooding, such as from severe storms, is never covered by homeowners insurance. A Wyoming independent insurance agent can help you get the coverage you need against each type of natural disaster.

Wildfires, Severe Storms, and Winter Storms

With these threats being some of the most common to occur in Wyoming, having a home insurance policy is important. Home insurance can provide reimbursement for physical damage or destruction to your home and personal belongings due to wildfires, lightning and hail from severe storms, and snow and ice damage from winter storms. Just a standard Wyoming home insurance policy can protect you from each of these disasters. 

Flood Damage in Wyoming

That said, a regular home insurance policy can't provide reimbursement for natural flood damage or destruction to your home or personal belongings. To get reimbursement for natural flood damage, such as from heavy rainfall or melted snow, you'll need to add a flood insurance policy. This coverage is optional, but can save you thousands of dollars or even more if a natural flood disaster impacts your home.

Basic coverage provided by Wyoming home insurance includes:

• Loss of use: If your home gets badly damaged by a covered disaster and you have to temporarily live in a hotel or incur other extra expenses, this coverage can reimburse you for those costs.
• Personal liability: If you get sued by a third party for claims of personal property damage or bodily injury, this coverage can reimburse you for the legal expenses.
• Personal property: If your personal property, including clothing, etc., gets stolen, damaged, or destroyed by a covered peril, this coverage can pay to replace it or repair it.
• Dwelling: If your home's structure gets vandalized, damaged, or destroyed by a covered disaster, this coverage can help reimburse you for the repairs or rebuilding.

A Wyoming independent insurance agent can help you find a home insurance policy that best meets your needs.

What Won't Homeowners Insurance in Wyoming Cover?

Home insurance in Wyoming comes with its own set of exclusions, just like any other type of policy. Along with natural flood damage, earthquakes are not covered by a home insurance policy. If you're concerned about earthquake damage to your home, talk with your Wyoming independent insurance agent about adding earthquake insurance. There are still other disasters and costs that Wyoming home insurance doesn't cover, including:

• Pest and insect infestation or damage
• Failure of the homeowner to maintain the property
• Business-related losses (without an endorsement)
• Damage to personal vehicles stored at the home
• Sewer breaks and backups
• Intentional or malicious acts against others

Flood damage in Wyoming

Flooding can occur from many different causes, including storms with heavy rainfall and even sewage backups. Home insurance excludes sewer backup damage unless you add an endorsement to your policy. To get protection against this messy disaster, talk to your Wyoming independent insurance agent about adding sewer backup coverage to your home insurance policy.

Average Cost of Homeowners Insurance in Wyoming

Home insurance in Wyoming tends to be cheaper than in many other states. In fact, Wyoming ranks exactly in the middle of the pack for home insurance rates in the US, at Number 25. Average costs of home insurance in Wyoming are just $1,159 per year, compared to the national average of $1,211 per year. So residents in Wyoming can save quite a bit of money on their coverage compared with their neighbors.

Average Wyoming Home Insurance Costs by City

Home insurance costs vary by city, too, not just state. Considering that factors like local crime rates and property values, an area's risk of inclement weather, and others all impact home insurance rates, this may not be surprising. In Wyoming, home insurance rates tend to be highest in the city of Jackson, at an average of $1,344 per year. In contrast, home insurance rates tend to be lowest in the city of Rawlins, at an average of just $708 per year.

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,428 year

City	Average home value	Burglaries / 1,000 homes	Annual insurance cost
Casper	$329,900	5.62	$1,149
Cheyenne	$299,700	4.36	$1,113
Cody	$305,486	1.51	$1,065
Douglas	$216,127	0.78	$1,040
Evanston	$190,177	0.93	$811
Gillette	$275,977	2.71	$1,027
Green River	$244,559	1.83	$1,232
Jackson	$656,706	0.84	$1,344
Lander	$275,000	1.59	$971
Laramie	$285,500	1.35	$1,065
Rawlins	$157,856	2.16	$708
Riverton	$187,366	2.62	$751
Rock Springs	$220,624	2.26	$855
Sheridan	$202,355	2.18	$862
Torrington	$173,782	1.79	$721

Popular Questions about Homeowners Insurance in Wyoming

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