Allied is MoneyGeek’s pick as the best home insurance company overall in Wyoming. However, State Farm is the best option if you value customer service, are bundling policies or you’re insuring a high-value house. Allied is also the best option if you want affordability, while USAA is ideal for veterans.
MoneyGeek analyzed Wyoming’s best home insurance providers and broke down their coverages as well as discounts to help you find an insurer that fits your needs.
If you’re more concerned with savings than service quality, MoneyGeek also analyzed the cheapest home insurance companies in Wyoming.
The Best Homeowners Insurance in Wyoming
The Best Overall Homeowners Insurance Companies in Wyoming
MoneyGeek ranked insurance providers based on their customer satisfaction, claims reputation, affordability and financial stability when researching the best home insurance companies in Wyoming.
Based on our study, Wyoming’s leading home insurance providers overall are:
- Allied: MoneyGeek score of 84 out of 100
- State Farm: MoneyGeek score of 82 out of 100
USAA scored a perfect 100 out of 100, but due to their limited availability, we didn’t include them in this list. That said, they are the top company for active military personnel and veterans.
We evaluated why Allied and State Farm are the state’s best overall home insurers, looking at the unique coverages and discounts they offer.
The Top Home Insurance Companies in Wyoming
With an average cost of $1,227 per year, Allied ranks first for affordability, second for stability and third for customer satisfaction. Unfortunately, Allied doesn’t offer any unique add-on coverages.
Allied lacks unique coverages and discounts for their policyholders. Nonetheless, they ranked well due to their affordability and financial stability.
State Farm ranked first for satisfaction and stability as well as second for affordability. On average, their policies cost $2,095 per year. They offer unique add-on coverages, such as energy efficiency upgrades.
State Farm allows homeowners to include an energy efficiency upgrade coverage on their policies. This rare coverage pays for the cost of upgrading your heating unit, air conditioning unit or water heater to become more energy efficient. They also have a loss assessment coverage, which pays for your portion of a covered loss charged to all members of your homeowners association. Additionally, you can earn a discount based on the amount of time your State Farm policy has been active.
MoneyGeek gathered home insurance quotes across the U.S. and compared these against property claims and J.D. Power’s customer satisfaction scores. We used that data to identify the best home insurance nationally and in Wyoming.
Your insurance costs and actual customer experience may vary depending on your profile. Read MoneyGeek’s methodology for more information.
The Best Homeowners Companies in Wyoming for Service Quality
MoneyGeek listed the top home insurance providers in Wyoming based entirely on their customer satisfaction and claims experience reputation. You may find this useful if you’re looking for quality service without considering cost.
Our analysis reveals that Wyoming’s best-ranking home insurance companies based on service quality alone are:
- State Farm: MoneyGeek score of 81 out of 100
- Allstate: MoneyGeek score of 80 out of 100
Although USAA scored 100 out of 100 for service quality, we excluded them in this ranking due to their limited availability. However, they are the top company for active military personnel and veterans.
We evaluated why State Farm and Allstate received the highest scores in Wyoming in terms of service quality regardless of rates.
The Top Home Insurance Companies in Wyoming for Quality Service
State Farm earned the top scores in Wyoming for stability and satisfaction but scored third in terms of claims. The company is regarded for providing high-quality policy offerings and processes to their policyholders.
State Farm allows you to add mold coverage to your policy. It’s a rare protection that pays for damages from fungus up to $20,000. They also have vacancy coverage as an add-on, which covers expenses from vandalism and glass breakage if your house has been unoccupied and empty for more than 30 days.
Allstate ranked second for satisfaction and stability and first in claims in Wyoming. They are classified as offering excellent policy offerings and processes to their customers.
Homeowners can include home rental coverage in their Allstate policy. HostAdvantage® Home-Sharing Insurance is an additional coverage for the policyholder’s belongings while renting their home. They also have yard and garden coverage as an add-on. This protection increases the coverage limits for expenses related to trees, landscaping and riding lawnmowers.
The Best Homeowners Companies in Wyoming on a Budget
MoneyGeek identified the best home insurance companies in Wyoming in terms of affordability. We ranked companies that provide inexpensive policies while offering good customer service.
If you’re on a budget, your best insurers in Wyoming are:
- Allied: MoneyGeek score of 89 out of 100
- State Farm: MoneyGeek score of 82 out of 100
While USAA obtained a perfect score, we removed them from our rankings due to their limited availability. However, they are the cheapest home insurance company in Wyoming for active military members and veterans.
Allied home insurance policies have an average cost of $1,227 per year, while State Farm’s policies cost roughly $2,095 per year. We analyzed why Allied obtained the highest score in Wyoming in terms of affordability.
The Top Home Insurance Companies in Wyoming on a Budget
Affordable home insurance coverage at approximately $1,227 per year
Doesn’t offer protective device, bundling, claims free, new home and home renovation discounts
MoneyGeek satisfaction rating of 3.86 out of 5
When it comes to affordability, Allied is MoneyGeek’s pick, with a rating of 4.71 out of 5. However, this company doesn’t offer any unique discounts. They ranked first in this category because of their cheap rates.
The Best Homeowners Companies in Wyoming for Expensive Homes
If your home is expensive, insuring it becomes even more important. MoneyGeek researched Wyoming’s top-ranking home insurance providers for homes that cost $2 million to replace. We considered the company’s customer satisfaction reputation in our analysis.
In Wisconsin, the best home insurance companies for high-value homes are:
- State Farm: MoneyGeek score of 85 out of 100
- Allstate: MoneyGeek score of 79 out of 100
USAA achieved a perfect rating, but we excluded them from this analysis since they only offer insurance policies for military families.
We analyzed the reason why State Farm scored highly among the state’s insurers for expensive houses. We broke down its coverages that homeowners could find useful.
The Top Home Insurance Companies in Wyoming for High-Value Homes
Ranks highest in terms of affordability among home insurers for high-value houses
MoneyGeek satisfaction rating of 4.09 out of 5
Lacks commonly available coverages such as extended reimbursement and contents replacement cost
State Farm excels in customer service, with a MoneyGeek score of 4.09 out of 5. Their quality service doesn’t come at a high cost, as they also have a perfect rating in terms of affordability.
In addition, State Farm policyholders can add unique coverages on their policies. Folks with expensive homes may find their scheduled personal property coverage useful. This pays for damages to personal items such as jewelry, furs, silverware, goldware, business property, firearms and fire department service charges. They also offer an add-on service for case management and expense reimbursement if the homeowner’s identity is fraudulently used.
The Best Homeowners Companies in Wyoming for Veterans
MoneyGeek identified the top home insurance providers in Wyoming for military members and their families. If you have a military background, USAA is our pick in the state with a MoneyGeek score of 100 out of 100.
At approximately $867 per year, USAA’s policies are very affordable. They also have perfect ratings for both customer satisfaction and financial stability.
Importantly, USAA tailors its services to current and former military personnel, giving them coverage that meets their needs.
The Top Home Insurance Companies in Wyoming for Veterans
Coverage and services tailored to military families
MoneyGeek satisfaction rating of 5 out of 5
MoneyGeek affordability score of 5 out of 5
Unavailable to homeowners with no military background
In Wyoming, USAA earned perfect scores for customer satisfaction and affordability, giving their policyholders the best of both worlds.
USAA provides rare coverages and discounts that are useful to homeowners with military backgrounds. They automatically include contents replacement cost coverage on their policies. This pays for expenses to replace your personal belongings without factoring in depreciation. You also have the option to add home rental coverage to your policy, which offers protection for yourself and your guests if you’re renting your house.
Homeowners who bundle their USAA home insurance with their car insurance can get a discount. Additionally, customers who haven’t made any claims for five or more years also get a discount.
The Best Homeowners Companies in Wyoming for Bundling
MoneyGeek identified Wyoming’s best insurance companies for people looking to bundle their home insurance policy with their car insurance policy.
The top providers if you want to bundle car insurance in Wyoming with your home insurance policy are:
- State Farm: MoneyGeek score of 81 out 100
- Allstate: MoneyGeek score of 76 out of 100
You can get additional discounts on your premiums by bundling your home and car insurance policies. In addition, bundling policies gives you the benefit of dealing with only one insurance provider for both your home and car insurance. This simplifies everything when it comes to managing your insurance coverages.
The Top Home Insurance Companies in Wyoming for Bundling
Offers 15% bundling discount
MoneyGeek score of 4.11 out of 5 for home insurance policies
MoneyGeek score of 3.54 out of 5 for car insurance policies
Based on MoneyGeek’s scoring system, home insurance policies from State Farm rank well with a rating of 4.11 out of 5. If you bundle your home and car insurance with State Farm, you can get a 15% discount.
You can add home systems protection coverage to your State Farm home insurance policy. This rare insurance pays for damages from sudden and accidental breakdown of your home systems, including electric, heating and cooling.
State Farm also has an add-on coverage if you’re working for a ridesharing company. Their rideshare coverage extends all the coverages from your car insurance policy when you are driving for a rideshare company.
How to Find the Best Home Insurance in Wyoming
If you’re looking for the best home insurance in Wyoming, find a provider that balances cost, service reputation and financial stability. You can use MoneyGeek’s data to quickly find the top-ranking companies. You can even go through the process yourself and gather information on your own.
Research Customer Service Reputations in Wyoming
MoneyGeek gathered information about the customer service reputation of home insurance companies in Wyoming. If you’re doing this on your own, you can look into J.D. Power satisfaction scores and NAIC complaint ratios. Wyoming’s Department of Insurance is a good place to start as well.
Compare Quotes for Yourself
The insurance quotes in this guide are for a sample homeowner profile in Wyoming. As a result, MoneyGeek’s data may not be completely accurate for your unique needs. It’s best to obtain offers from at least three insurers if you’re comparing quotes. This can help you determine your potential home insurance premiums.
Make Sure the Company Has Coverages You Want in Wyoming
Beware of attractive coverages and discounts from insurance ads. These are not always available in every state. You should check with the insurance company you are considering using to find out if the discounts and coverages you’re looking for are available in your state.
Double-Check Financial Stability Ratings
You should always check the financial strength of your preferred insurance company. Generally, large providers are more stable than regional companies. This means they will be able to pay legitimate claims.
FAQs About the Best Home Insurance in Wyoming
Your needs and situation determine which company is the best home insurance provider in Wyoming for you. MoneyGeek answered some commonly asked questions to help you with your research.
MoneyGeek scores for homeowners insurance in Wyoming were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.
MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in Wyoming that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Wyoming. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $250,000, liability coverage of $100,000 and personal property coverage of $100,000.
About Mark Fitzpatrick