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Finding homeowners insurance doesn’t need to be stressful. Compare Wyoming rates by city and company below.Get Free Quotes
Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A homeowners policy defends your house and property against an array of calamities, including wind damage, fire, theft, vandalism, and others.
Unlike car insurance, home insurance isn't priced based on state-level legislation. That said, serious differences emerge in home insurance costs on a state-by-state basis. Home insurance policy prices by state may differ depending on the value of — and total number of — homeowners claims submitted statewide, and depend on the value of the dwelling and belongings being insured.
The best way to find cheap home insurance in Wyoming is to compare rates and consider policies from as many insurance companies as possible. Learn typical homeowners insurance rates in Wyoming via the below data. Remember: your home insurance rates will vary, depending on your coverage limits.
Prices for home insurance in Wyoming vary depending on which insurance company you use. Safeco offers the cheapest home insurance in Wyoming, at only $740 yearly. This compares favorably to the state average cost of $1,171, offering a $430 discount on rates typical to the state.
Begin your search for cheap home insurance by reviewing the best Wyoming home insurance carriers, listed below.
|Company||Average Annual Rate in Wyoming|
Not all Wyoming cities have equal homeowners insurance rates. Rates depend on city-specific variables like the number of claims filed in the immediate area, meaning your specific ZIP code impact how much you pay.
The cheapest homeowners insurance in Wyoming is available in Green River. An average home insurance policy in Green River costs $869 per year — $302 less than the statewide average. The below table shows the best places to live in Wyoming if you’re looking for cheap homeowners insurance.
|City||Average Annual Home Insurance Rate|
If you want to save, consider holding your home and auto policies with the same insurance company. Bundling auto and home insurance in Wyoming can lead to substantial savings on your auto insurance policy. Bundling home and auto policies in Wyoming results in a yearly discount of $134.
|Avg. 12-Month Auto Insurance Rate (No Bundle)||Avg. Yearly Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
One of the best ways to save on auto insurance is to bundle policies. Start shopping today!
Amica Mutual does in fact offer homeowners insurance in Wyoming
While Wyoming does not require homeowners insurance, it is a good idea to carry this coverage to protect your property against loss. Also, keep in mind that your mortgage lender may require homowners coverage as a part of the lending agreement.
Wyoming encounters roughly 84 earthquakes per year, which means that Wyoming residents may want to look into getting earthquake insurance.* This type of protection isn't a standard feature in home policies. You can add earthquake coverage as an added endorsement to your current policy and protects you against damages that result from earthquakes.
Aftershocks pose another serious threat. An aftershock can be quite powerful, and often continue causing damage long after the initial event. Fortunately, having this coverage means that you pay a single deductible for losses resulting from the initial earthquake as well as all related aftershocks that happen within a 72-hour period.
If your home is in an area prone to earthquakes, expect higher homeowners insurance rates, especially in the highest-risk locations. Earthquake insurance is not available from most standard insurers, but there are some options for those who live in states where earthquakes are a real threat. Companies in Wyoming may allow you to purchase an endorsement to cover damage from earthquakes. Keep in mind that earthquake deductibles are usually higher than deductibles for most standard perils. An earthquake endorsement added to your homeowners coverage will cost you an additional $115 per year in Wyoming.
Have a look at the best options for earthquake coverage in Wyoming listed below. Please note that these figures are merely estimates. Rates specific to your property can be found by consulting the listed companies.
|Insurer||Average Yearly Earthquake Insurance Rate|
*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)
Fire coverage is standard on every home insurance policy in Wyoming. If your home were damaged or destroyed by fire, your insurance company would cover the damage to your property — within your policy limits. The prevalence of wildfires in Wyoming reinforces the importance of maintaining homeowners insurance: 14% of homes in the state are in danger of being damaged by a wildfire. In fact, 279, 243 of the state's acres fell victim to fires in the state in 2018.*
In addition to covering damages — up to your coverage limits — your home insurance would cover additional living expenses if your home is deemed unlivable. Fire-related damages not covered by your home insurance provider is intentional damage (arson) or damage to a vacant home. Double-check to confirm your insurance policy covers wildfire damage.
*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-wildfires)