The Best Home Insurance in Wyoming for 2025

Amica and Chubb are among the best home insurance companies in Wyoming, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Wyoming. Below are the insurers that earned 5 stars in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

The best home insurance companies in Wyoming

Here's more information about the best homeowners insurance companies in Wyoming.

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Wyoming homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.

» READ MORE: Chubb homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

» READ MORE: USAA homeowners insurance review

Other home insurance companies to consider

Looking for more of the best homeowners insurance companies in Wyoming? These insurers received a NerdWallet star rating of 4.5:

» MORE: The best home insurance companies

How much does homeowners insurance cost in Wyoming?

The average annual cost of home insurance in Wyoming is $1,555. That’s 19% less than the national average of $1,915.

In most U.S. states, including Wyoming, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Wyoming, those with poor credit pay an average of $2,900 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 86% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Wyoming by city

How much you pay for homeowners insurance in Wyoming depends on where you live. For instance, the average cost of home insurance in Cheyenne is $2,250 per year, while homeowners in Casper pay $1,950 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Wyoming

Here are the insurers we found with average annual rates below the Wyoming average of $1,555.

» MORE: The cheapest homeowners insurance

Common risks for Wyoming homeowners

Here are a few of the most common risks you may face as a Wyoming homeowner, along with steps you can take to insure your home against them.

Wildfire

Homeowners insurance generally covers damage caused by fire, but read your policy closely in case you have exclusions. Pay particular attention to the dwelling coverage limit, which is how much the insurance company will pay to rebuild your house. Check with your insurer to make sure you have enough coverage to rebuild if necessary.

Winter weather

Homeowners insurance generally covers winter storm-related damage, but some types of scenarios may require extra coverage. For instance, you’ll typically need separate flood insurance to cover water damage caused by snowmelt.

Hailstorms

Standard home insurance policies usually cover hail damage, but you may have a separate hail deductible. These are often either a flat rate, such as $500, or a percentage of your dwelling coverage limit, often between 1% and 5%. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for hail or wind claims. So, if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of hail damage yourself.

Flooding

Most home insurance doesn't cover flood damage, so homeowners in at-risk areas may need to buy separate flood insurance. Remember that while you can get this coverage at any time, there’s often a 30-day waiting period before it takes effect.

» MORE: Why you might need flood insurance, even if it's not required

Earthquakes

Standard homeowners insurance policies don't cover structural damage caused by earthquakes. For that, you’d need to buy additional earthquake insurance.

Earthquake insurance often has a separate deductible, which can be between 10% and 20% of your dwelling coverage limit. If you have a 10% deductible on $200,000 of coverage, you’d need to pay $20,000 to repair earthquake damage before your insurance covers anything.

» MORE: Home insurance calculator: Estimate your rate

Wyoming insurance department

The Wyoming Department of Insurance oversees the state’s insurance industry, including licensing insurers and providing consumer information. You can file a complaint about your insurer on the department's website. For help, call the department at 800-438-5768.