The Best Home Insurance in Wyoming for 2025

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

To help you find the best home insurance in Wyoming, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Below are more details about the best homeowners insurance companies in Wyoming.

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.

Chubb caters to well-to-do homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home, in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders in Wyoming are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction. Amica also draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

» READ MORE: State Farm homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Wyoming is $1,555. That’s 26% less than the national average of $2,110.

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 $2,895 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?

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 $2,305 per year, while homeowners in Casper pay $1,950 per year, on average.

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

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

» MORE: The cheapest homeowners insurance

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 damage caused by winter storms, but you may need extra coverage for some types of situations. For instance, you’ll typically need separate flood insurance to cover water damage caused by snowmelt.

Hailstorms

Standard home insurance usually covers 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. If you’re concerned about flooding, consider buying separate flood insurance. You can get this coverage at any time, but be aware there’s often a 30-day waiting period before it takes effect.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do you need flood insurance?

Earthquakes

Homeowners insurance policies don't cover structural damage caused by earthquakes. For that, you’ll need 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.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.