Homeowners Insurance in Wyoming

Help Protect Your Home With Wyoming Home Insurance

There is so much natural beauty to see and experience in Wyoming – from Grand Teton National Park to Old Faithful. Unfortunately, along with this beauty comes risks that Wyoming homeowners face throughout the year, like wildfires, floods and mudslides. That’s why it’s essential to have the right seguro de viviendas to help keep your home protected. So, if you’re looking for homeowners insurance in Wyoming, you’ve come to the right place.

Whether you live in Cheyenne, Laramie, Green River or anywhere in between, the AARP^® Homeowners Insurance Program from The Hartford¹ can get you great coverage that helps protect your home. The Hartford’s home insurance policies help cover damage to your house and belongings, giving you peace of mind when the unexpected happens.

Types of Wyoming Homeowners Insurance Coverage

Your Wyoming homeowners insurance policy comes standard with the following coverages:

Daños a la propiedad

La cobertura de vivienda helps protect your home and its attached structures, like an attached garage or front porch, after they’re damaged or destroyed from a covered loss.

Propiedad personal

La cobertura de propiedad personal helps cover costs to repair or replace your personal belongings, such as furniture or clothing.

Responsabilidad Personal

If you’re found legally responsible for someone’s injury or property damage, personal liability coverage can help cover the person’s medical expenses or your legal costs.

Otras estructuras

Other structures coverage helps provide protection for structures that aren’t directly attached to your home, like a detached garage or shed.

Gastos de vida temporales

If you’re not able to live in your home after a covered loss, loss of use coverage can help pay for your living expenses.

Gastos médicos

Medical payments coverage helps pay for someone else’s medical costs if they get injured on your property, up to your policy’s coverage limits.²

Additional Coverage Recommendations for Home Insurance in Wyoming

Some additional coverage options you can add to your policy for more protection are:

“New for Old” Protection,^‡‡ which helps replace your destroyed belongings with new ones of the same quality.
Reimbursement for replacing locks if your keys get lost or stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.
Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.
Disappearing Property Deductible,^‡‡ which reduces your deductible every year when you go three consecutive years without having an insurance loss.
Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.
Valuable items blanket for additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help cover the costs to replace it.

It’s important to know that seguro contra inundaciones isn’t included in standard homeowners insurance policies. To get coverage, you’ll have to purchase a separate insurance policy through the National Flood Insurance Program (NFIP).***

How Much Does Home Insurance in Wyoming Cost?

The average cost of homeowners insurance in Wyoming in 2024 is $1,044 per year, or $87 per month. This is over $700 less than the national average of $1,759.³ However, homeowners insurance rates are different for each person, so you may pay more or less than the average. Some factors that may influence how much you pay for home insurance include your:

Home’s age
Lugar
Claims history
House size

Discounts To Help You Save on Your Home Insurance in Wyoming

The Hartford offers several descuentos para seguro de viviendas to help customers save on their home insurance rates.

Ahorros en paquetes de seguro

If you combinar el seguro, you can save money. In fact, you could save up to 12% on your auto insurance and up to 20% on your home, renters or condo insurance if you bundle with The Hartford.^** Types of insurance bundles you may be eligible for are:

Fast and Free Quote for Wyoming Homeowners Insurance

There are a lot of home insurance companies to choose from, but not all of them are the same. The Hartford offers the only home insurance program endorsed by AARP. Since 1984, the AARP Homeowners Insurance Program from The Hartford has been protecting individuals and their families when they need it most.

The Hartford makes it fast and easy to get a cotización de seguro de viviendas. Get a quote online today or call 877-422-2345 to speak with a representative.

FAQs About Wyoming Home Insurance

What Is the Average Cost of Homeowners Insurance in Wyoming?

The average cost of homeowners insurance in Wyoming in 2024 is $1,044 per year, or $87 per month.³

What Is Covered by Homeowners Insurance in Wyoming?

Standard homeowners insurance in Wyoming helps protect your home and belongings if they’re damaged after a covered loss.