Homeowners Insurance in Wyoming

Finding homeowners insurance doesn’t need to be stressful. Compare Wyoming rates by city and company below.

Find cheap homeowners insurance in Wyoming

Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A homeowners insurance policy protects your house and property in the event of a number of circumstances, including wind damage, fire, theft, vandalism, and others.

Major differences exist in home insurance rates from state to state. Homeowners insurance costs in US states vary based on the value of — and frequency of — home policy claims lodged in that state, and depend on the value of the belongings and property you're covering.

The easiest way to find a cheap homeowners insurance policy in Wyoming is to compare rates and consider policies from multiple companies. Find out home insurance rates in Wyoming via the below breakdown. Your rates may vary, depending on your coverage details.

Wyoming home insurance:
  1. Rates by company
  2. Homeowners rates by city
  3. Bundling discounts

Homeowners insurance rates in Wyoming by insurer

Prices for home insurance in Wyoming vary depending on which insurance company you select. Safeco provides the cheapest home insurance in Wyoming, at just $740 each year. This compares favorably to the state mean cost of $1,171, offering a $430 discount on average statewide homeowners insurance costs.

Begin the hunt for a home insurance policy by viewing average rates from top Wyoming insurance companies, listed below.

CarrierAverage 12-Month Rate in Wyoming
State Farm$1,496.62

Wyoming homeowners insurance costs: by city

Not all Wyoming cities have equal homeowners insurance rates. Policies are often priced on local variables such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The most affordable home insurance rates in Wyoming are available in Green River. In Green River, the typical home insurance policy costs $869 per year — $302 less than the state average. Reference the below table to see the cheapest cities in Wyoming for home insurance.

CityAverage Yearly Home Insurance Rate
Green River$869.00

Tip: bundle home and auto insurance in Wyoming

If you want to save on homeowners insurance, consider holding your car and homeowners policies with the same insurance company. Bundling auto and homeowners insurance in Wyoming can lead to substantial savings on your auto insurance bill. Purchasing bundled policies in Wyoming results in a yearly discount of $134.

Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

A great way to save is to bundle your home and auto insurance policies. Find a policy today!

Compare rates from top car insurance companies.

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Earthquake insurance in Wyoming

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.

*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)


Home insurance and fires in Wyoming

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)