Best Home Insurance in Wyoming (2023)

Compare personalized Home insurance rates in Wyoming

Home Insurance in Wyoming

It’s always essential to purchase quality and affordable homeowners insurance in Wyoming, but finding a policy that’s right for you may seem hard to do. Once you know the Wyoming homeowners requirements, you can make a better decision about which policies fit your needs. You can even find cheap homeowners insurance when you follow these steps.

Home Insurance Companies in Wyoming

To begin the process of finding the ideal policy, start with the top-rated homeowners insurance companies in Wyoming. They should be financially sound with a range of policy options. Homeowners insurance agencies in Wyoming should offer flexible coverage options to help you pick what’s right for you. And, the best home insurance companies in Wyoming also offer competitive rates through discounts and rewards programs. You can use independent home insurance agents in Wyoming to help you compare options, but it’s best to work through the following steps.


How to Get the Best Rates for Home Insurance in Wyoming

It’s easy to get started. Enter your zip code on this page. Then, you’ll receive a full list of companies from which you can choose.


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in Wyoming?

One key concern many have is knowing when they are getting a good deal. To help you, it is important to get home insurance quotes in Wyoming and then compare them to national and local averages. Nationally, homeowners in the U.S. pay about $1,173 for insurance coverage. The average annual premium in Wyoming is $1,088. With this information, you know what to look for in the cheapest home insurance in Wyoming.


<twitter>Nationally, homeowners in the U.S. pay about $1,173 for insurance coverage. The average annual premium in Wyoming is $1,088.</twitter>


List of Homeowners Insurance Companies in Wyoming

To make the process easy for you, enter your zip code on this page. Then, take a closer look at the list of properties available to you here.

How Homeowners Insurance Is Calculated in Wyoming

Insurance companies need to know how likely it is that you will file a claim and what they can expect that claim to be. They use past data to help with this along with factors about your home and community. Here are some things they consider.


<qa>1;Crime;In areas where there is high crime, costs can rise quickly. In the area of property crime, insurers need to know how likely it is that you will face theft or vandalism claims. Nationally, the country’s property crime rate is 24, representing 24 incidents for every 1,000 residents. In Wyoming, this number is just 18.3.</qa>

<qa>2;Weather/Climate;The good news is that weather doesn’t impact home insurance rates too much in Wyoming. You could have some storm damage or wildfire risks, though. If you  live in a risk zone, your costs could rise.</qa>

<qa>3;Home Values;Insurers always base policies on the value of your home. The more valuable it is, the more expensive it is to cover if there’s a total loss of it. The median value of a home in Wyoming is $226,100 as of April of 2019.</qa>

Home Insurance Requirements in Wyoming

What makes your costs higher or lower? It all comes down to knowing the details about your insurance. If you have questions about your policy, ask your agent. Here are some key topics to take into consideration.

Is Homeowners Insurance Required in Wyoming?

Wyoming state law does not include a requirement for home insurance. Most mortgage lenders operating in the state do have comprehensive coverage requirements in nearly all policies, though. This remains in place until the home is paid off. Then, you can decide whether to carry coverage or not.

What Does Home Insurance Cover?

Home insurance covers most risks here. This includes property for the structure and your possessions. It includes liability insurance, too, which helps minimize lawsuit claims against you. Some policies have limitations on wildfire risks here. Be sure to update your policy to match this risk.

Homeowners Insurance for New Properties in Wyoming

Buying home insurance for a new home here means considering its value carefully. It’s always important to have enough insurance to cover the value of your home if you needed to rebuild it.

Homeowners Insurance for Old Properties in Wyoming

Older homes fast many of the same risks as newer versions. They tend to be more at risk for damage to the structure, though. This makes home insurance even more valuable here.

Renters Insurance in Wyoming

Property owners can require tenants to maintain renter’s insurance in order to live in their homes. For that to be a requirement, it must be in your lease. The state does not require this.


Wyoming renter’s insurance is very affordable, generally costing under $20 for a policy. Yet, it provides protection from many risks including theft and vandalism. It also provides liability coverage to you.


<zipcode>Compare Renters Insurance in Wyoming</zipcode>


Compare Home Insurance in Wyoming by City

The cheapest home insurance in Wyoming still needs to be effective enough for your needs. The only way to know this is to request a specific quote for your home. Compare home insurance quotes in these big cities for a few more factors.


<qa>1;Home Insurance Quotes in Cheyenne, Wyoming;A beautiful city in the southern part of the state, Cheyenne is the largest in Wyoming. It’s home to about 63,624 people. It’s the most traditional of residential cities. The median home value here is $255,000.</qa>

<qa>2;Home Insurance Quotes in Casper, Wyoming;The beautiful city of Casper is in the heart of the state, providing it with incredible scenery and outstanding quality of life. About 57,814 people live here. The median value of a home here is $204,800.</qa>

<qa>3;Home Insurance Quotes in Laramie, Wyoming;Laramie is home to 32,306 people. It is a growing community with a moderate level of remoteness. The area is in demand, though, and home values here are $242,500 on average.</qa>

<qa>4;Home Insurance Quotes in Gillette, Wyoming;With 30,560, Gillette is the last of the state’s bigger cities in terms of population. The median home value in this community is $265,600, one of the highest in the state.</qa>


Bonus: Most Expensive Homes in Wyoming

You’ve considered how much home insurance will cost you. Now think about the price for the most expensive homes in the state.


  1. An incredible estate at 83014 Jackson Hole in Wilson is valued at $39.9 million.
  2. The pristine home at 1275 S. Ely Springs in Jackson is valued at $26.76 million.
  3. Another lakefront home, this one at 2575 W. Red House Road in Jackson is valued at $24.8 million.