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 $1,211 year

CityAnnual insurance costBurglaries / 1,000 homesAvg. home value
Green River$244,5591.83$1,232
Rock Springs$220,6242.26$855

Popular Questions about Homeowners Insurance in Wyoming

Wyoming homeowners insurance rates vary by location, property and coverage. However, the average cost for home coverage in Wyoming is $1,159 per year, coming in less than the national figure of $1,211 annually. A professional independent insurance agent can give you a quote based on your home and coverage.

Each Wyoming homeowners insurance policy comes with common coverage options that are tailored to your needs. Dwelling value, other structures, personal property, liability, medical payments, and additional living expenses are all included under your home policy.

Homeowners insurance is regulated by the Wyoming Department of Insurance. The policies have to contain standard provisions and language, and the companies have to be licensed to do business in the state.

Insurance companies use numerous risk factors when calculating your Wyoming homeowners coverage. Take a peek at what could impact your costs:

  • Local crime rates
  • Local natural disasters 
  • Claims reported in the area
  • Replacement value of home
  • Your past claims history
  • Coverages selected

In each state, there are carriers that write coverage based on the area's risk exposures.  Stillwater, Safeco, Nationwide, and Prime insurance companies are highly rated for their service, outstanding coverage, and low rates nationally, and in Wyoming.

Yes, Wyoming currently has 27 independent insurance agencies in existence. Each independent agent works with several companies so that you're presented with the best options on coverage and price. 

Do You Know What Your Wyoming Home Insurance Covers?

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