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?

Find the Best Homeowners Insurance in Your City

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
Casper$329,9005.62$1,149
Cheyenne$299,7004.36$1,113
Cody$305,4861.51$1,065
Douglas$216,1270.78$1,040
Evanston$190,1770.93$811
Gillette$275,9772.71$1,027
Green River$244,5591.83$1,232
Jackson$656,7060.84$1,344
Lander$275,0001.59$971
Laramie$285,5001.35$1,065
Rawlins$157,8562.16$708
Riverton$187,3662.62$751
Rock Springs$220,6242.26$855
Sheridan$202,3552.18$862
Torrington$173,7821.79$721
  1. $93
  2. Cheyenne, WY Monthly average home insurance cost
  3. Average monthly cost of home insurance in Cheyenne: $93
  4. Not all Cheyenne homeowners will pay the same as this average rate for their insurance coverage. Your monthly rate is based not only on the crime and weather risks in your ZIP code, but also on the size and value of your home, the building materials used in its construction, your claims history, and more.
  5. Residents of Cheyenne see a lot of hailstorms. When hailstones exceed one inch in diameter, they can damage roofs, siding, windows, and outdoor structures like sheds and carports. In July 2020, this city was hit by a damaging storm that included hailstones that measured as much as 2.5 inches in diameter. Fortunately, when you have a solid Cheyenne homeowners insurance policy, you can rest assured that your property can be returned to normal without you facing a large personal expense. 


  1. $96
  2. Casper, WY Monthly average home insurance cost
  3. Average monthly cost of home insurance in Casper: $96
  4. Your homeowners insurance is completely customized to details about your house and other considerations such as how many people live in it, its distance from a fire department, and the crime rate in the surrounding area. So your monthly premiums may be higher or lower than this average. Request quotes from a few competing insurance companies to find out how much a policy will cost you. 
  5. Casper has a very high crime rate when compared to the rest of the state and the nation overall. Residents of this small city report about 300 burglaries a year. It is therefore important that you take precautions like using deadbolt locks to help secure your home. Fortunately, your Casper homeowners insurance can cover you against property loss and damage to your house if you are the victim of a burglary. If you have installed a home security system, you may even qualify for a discount on your home insurance premiums.


  1. $89
  2. Laramie, WY Monthly average home insurance cost
  3. Average monthly cost of home insurance in Laramie: $89
  4. Of course, what you will actually be expected to pay is likely to differ from this average amount. That's because your rate is based on factors like the size of your home, the crime rate and weather risks in your ZIP code, the age of your roof, your claims history and credit rating, and more. 
  5. One of the most devastating things that can happen to a homeowner is a residential fire. In addition to severely damaging your house, a fire can lead to a total loss of your personal belongings, including furniture, clothes, electronics, and keepsakes. Fortunately, whether the fire is caused by an accident in your home or an out-of-control wildfire, your homeowners insurance has you covered. This insurance cannot bring back your irreplaceable items, but it can give you peace of mind in knowing you can afford to rebuild and replace as necessary.


  1. $86
  2. Gillette, WY Monthly average home insurance cost
  3. Average monthly cost of home insurance in Gillette: $86
  4. While everyone in your neighborhood may face the same crime and weather risks, there are many more variables in play when it comes to calculating home insurance rates. Your costs can also be based on factors like the size and value of your home, the age of your roof, your claims history, the amount of your deductible, and sometimes even your credit score. Your monthly rate for Gillette homeowners insurance may therefore be higher or lower than this average.
  5. Homeowners in Gillette have a significant risk of damage caused by floods. This is particularly true for property owners near Donkey Creek, but when heavy rains fall, flash flooding can happen just about anywhere in this city. FEMA estimates that as little as one inch of rainwater in your house can result is $25,000 in damage. However, flood damage is not covered by homeowners insurance. For this, you will need supplemental coverage with a flood insurance policy. Flood insurance takes 30 days to go into effect, so do not wait until heavy rains are imminent to purchase a policy.


  1. $71
  2. Rock Springs, WY Monthly average home insurance cost
  3. Average monthly cost of home insurance in Rock Springs: $71
  4. Home insurance rates can vary significantly from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the age of your roof, the materials used in your home’s construction, your claims history, and in some cases even your credit score.
  5. One damaging risk faced by homeowners in Rocks Springs is earthquakes. While quakes are not a very frequent hazard, they have the potential to be very damaging when they occur. In 1995, this city was shaken by a 5.3 magnitude quake that had its epicenter just 22 miles from the Rock Springs city center. While it did not cause significant damage in the area, the risk always exists. Even a small crack in a structural wall can lead to severe damage. Be aware, however, that homeowners insurance excludes coverage for earthquakes. For that, you will need a supplementary earthquake insurance policy.