The 3 Best Wyoming Homeowners Insurance Companies

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Wyoming’s scenic setting in the expansive, mountainous West makes the state a popular destination for hikers, skiers and other tourists. But the Cowboy State’s climate — snowy winters, rainy summers — means that residents have more than just the state’s natural beauty to consider when shopping around for Wyoming homeowners insurance.

The average annual homeowners insurance premium in Wyoming is $976, according to, 21 percent lower than the national average of $1,228. However, even with low rates, finding comprehensive coverage from a company you can trust is still important. To help ease the process, we’ve outlined our picks for the top homeowners insurance companies in Wyoming.

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Our Top Picks for Best Homeowners Insurance in Wyoming

State Farm

State Farm is one of the largest and most popular providers of homeowners insurance in Wyoming, writing over 10 percent of the policies in the state. Wyoming residents choose State Farm because the company offers affordable and customizable coverage options, along with quality claims management tools. The company boasts an A++ for financial strength from A.M. Best, too.

State Farm writes policies for just about any type of standard dwelling, including single-family homes, manufactured homes, condominiums, and farms/ranches. Basic coverage includes protection against fire and lightning, windstorms and hail, theft and vandalism; add-on options include increased protection for home businesses, flood insurance and identity theft recovery.

In the event of a covered loss, Wyoming homeowners can feel confident knowing that State Farm has one of the largest and most extensive claims networks in the world. Reporting a claim can be done online, in person with a local State Farm agent, over the phone using the 24-hour claims hotline, or via the State Farm Pocket Agent mobile app. Incidentally, the Pocket Agent mobile app can be used to file a claim, view your insurance card and policy information, and even locate an ATM.

Should your home require emergency water mitigation or flooring repairs, State Farm’s Premier Service Program will put you in touch with reputable contractors to carry out the necessary maintenance and restore your home to safety.

Mountain West Farm Bureau

Mountain West Farm Bureau Mutual Insurance Co. was established in 1948 with the aim of providing quality insurance products to rural communities in Wyoming. Today, the company is one of the largest providers of insurance products to residents of the Cowboy State, as well as one of the most powerful agricultural grassroots organizations.

A standard policy from the Mountain West Farm Bureau includes protection for your dwelling as well as any attached structures, personal property replacement, as well as loss of use coverage to offset any costs incurred for temporary lodging necessary after a covered loss. The Farm Bureau also provides liability coverage for each standard policy, so you can have the peace of mind knowing you will be legally supported in the event of an accident on your property.

The Mountain West Farm Bureau helps you save by offering multiple premium discount opportunities. You can receive deductions for insuring a new home, bundling multiple policies, installing an alarm system, or having an impact-resistant roof. Loyal Mountain West customers who have insured with the company for three years or longer qualify for additional savings.

Although the company does not offer an instant quote option on its website, you can use its agent locator tool to find a qualified representative near you to get an accurate policy estimate and help determine whether insuring with the Mountain West Farm Bureau is the right call for your Wyoming home.

In August 2018, Mountain West Farm Bureau celebrated its 70th anniversary with 70 random acts of kindness and volunteer work.

Farmers Insurance

Farmers offers one of the best claims-management tools in the industry, making the company a solid choice for Wyoming homeowners. The company offers three tiers of insurance: Standard, Enhanced or Premier.

Filing a claim with Farmers is incredibly simple. You can do so online, over the phone, in person with a local agent, or by using the iClaim mobile app. With Farmer’s online Claims Tracker tool, you can stay in the loop from the time you report your claim until its resolution. Farmers also has several affiliate partnerships with Wyoming companies and contractors. The company can put you in contact with them should you require emergency repairs after a covered loss.

Another attractive facet of a Farmers policy is the ample opportunity to save on your homeowners insurance premium. The company offers discounts for new homes, homes with recently replaced roofs or updated major systems, and homes with protective features installed. Farmers extends additional savings for nonsmokers, homes that have recently been inspected, and homes with certified green home-efficiency renovations so you can save on your taxes and your homeowners insurance premium!

How much is homeowners insurance in Wyoming?

Wyoming’s state average insurance premium of $976 is rather low compared with the national average of $1,228. As Wyoming is a large state, your homeowners insurance premium will depend on where you live, though. If you’re near Yellowstone, you’ll probably be looking at a slightly higher premium than if you are farther east, for example. Other factors are listed below.

Wyoming Rate Factors

The chance of an earthquake, volcano eruption or tornado occurring in Wyoming is much lower than the national average. Still, there are two volcanoes in the state, namely Yellowstone and Hell’s Half Acre.

The 3 Best Wyoming Homeowners Insurance Companies

Find the Best Home Insurance in Wyoming

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Find the Best Home Insurance

Save money on home insurance with our simple comparison tool.

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