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Wyoming Home Insurance

When you purchase a home in Wyoming with the help of a bank or mortgage lender, they usually require you carry Wyoming home insurance for the duration of the loan. There are a few popular policies that provide property damage coverage for single family homes. The basic HO-2 policy covers damages caused by fire, smoke, vehicles, aircraft, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and riots. The broader HO-3 policy provides bodily injury liability for your property, paying for medical expenses up to a certain amount.

Wyoming Home Insurance Coverage

In Wyoming, home insurance rates are influenced by the number of claims made. Homeowners can experience damages cause by thunderstorms, strong winds, tornados, lightning, hail, and much more. If you live in a part of Wyoming that might flood, you should consider purchasing Wyoming flood insurance, as normal homeowners insurance will not cover these damages. To see a list of what is not covered, review the “exclusions” section of your Wyoming home insurance policy.

Wyoming Home Insurance Rates

Wyoming home insurance rates floated around the national average in 2003. Homeowners insurance in the state cost an average $621 in 2003, which was a 24.4% increase from 2001. Rates can increase and decrease depending on the number of claims made and the cost for an insurance company to do business in the state.

Saving Money

Many Wyoming homeowners wish to reduce their home insurance premium. To accomplish this, many homeowners raise their deductible, which shaves some dollars off the annual premium. Homeowners can also add security to a home for a discount from insurance providers. The addition of an alarm system, deadbolts, and smoke detectors accomplishes this improvement. Of course, the most basic principle would be to shop around before buying your Wyoming home insurance.

Wyoming Department of Insurance

Herschler Bldg
3rd Floor
East 122 West 25th Street
Cheyenne, WY 82002
Phone: 307 777-7401 or Toll Free number inside Wyoming: 1-800-438-5768


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