Homeowners insurance in WY covers a home and its contents. It also provides protection against liability for any injuries or property damage you or any members of your family, including household pets, cause. Property insurance also pays temporary living expenses while living away from home because of a natural disaster.

A Wyoming property insurance policy covers most types of natural disasters including fire, hurricanes, hail, lightning and other events specified in the policy. Earthquake and flood coverage typically will require separate policies. WY property insurance does not protect against problems poor maintenance cause.

Consider these three points when choosing WY property insurance:

1. The location of the property may require additional home insurance. Wyoming properties should have coverage for ice, sleet and snow.

2. Effective loss-control measures can control premium costs; different measures will have various effects on a plan from property insurance companies. Wyoming insurance generally will be lower if you install an alarm system.

3. The replacement of detached structures should be covered by property insurance companies. Wyoming home insurance should allow you to rebuild your house, including structures such as a garage, gazebo or tool shed.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Wyoming homeowner insurance plans

Obtaining multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Begin your search for Wyoming home insurance rates at All Options Insurance by entering your zip code. The search function at Respond allows you to specify a city within Wyoming.

Find brokers for homeowners insurance in Wyoming who represent major carriers

You may want to obtain homeowners insurance in Wyoming through an agent who represents a major carrier in the state and who can make a recommendation based on the specific needs of your situation.

I recommend: Go to Allied Insurance and enter your zip code and search radius to find insurance agents in your area. Safeco Insurance provides a range of property insurance and allows you to locate agents within a given area.

Get Wyoming home insurance rates from a local agent

You may wish to contact local independent providers of home insurance in Wyoming rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you.

I recommend: The Bon Agency is a member of Nationwide Insurance and provides a range of personal insurance services, including home insurance. Wyoming is home to the Insurance Place, a local agency in Casper that sells homeowners insurance. Click on each zip code for Wyoming to display Insurance Place agents within that zip code.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Conduct a home inventory and provide it to property insurance companies. WY home insurance will cover the contents of your house up to a specified percentage of the value of your home. You should consider off-premises coverage if you have a substantial amount of belongings outside of your home.
• •  Wyoming property insurance typically covers expensive items such as furs, jewelry and silverware up to a fixed amount. You will need a special property endorsement to replace these items if their value exceeds the amount the primary policy covers. A property endorsement covers items that are lost or stolen.