Wyoming Homeowners Insurance

Living in the Cowboy State

From Thunder Basin to Fossil Butte, Wyomingites call the High Plains and the foothills of the Rocky Mountains home. If you live up near Cody, down near Cheyenne or somewhere in the middle near Casper, wherever you live in Wyoming Safeco offers insurance for your home in the Cowboy State. When thinking about home insurance coverage in Wyoming, consider how the climate and acts of nature the state can adversely affect your home and property. Make sure your home in Wyoming is properly covered. Get your Wyoming home insurance quote today.

Wyoming Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Wyoming homeowners an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For Wyoming homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

Wyoming homeowners who need additional coverage for extensive assets and treasured belongings should consider Safeco Optimum™ with its increased levels of protection.

Wyoming Home Insurance Discounts

Safeco offers several ways for Wyomingites to lower your homeowners insurance bill. Talk to your local Safeco insurance agent about ways to save with Wyoming home insurance discounts.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Wyoming homeowners insurance quote today and start saving tomorrow.

Wyoming Home Insurance Coverage Options

All Safeco Wyoming homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Wyomingns have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Earthquake Insurance

Earthquake insurance in Wyoming is available as a separate policy for Wyoming homes that meet certain eligibility and construction requirements. Talk to your local Safeco insurance agent about protecting your home with Wyoming earthquake insurance.

Above and Beyond

With extended dwelling coverage an extra 25% or 50% more coverage can be added to your base Wyoming homeowners insurance policy to help pay for unexpected repair or rebuilding costs that exceed the standard amount covered in your base policy.

Home Business

Coverage for property, merchandise and liability related to some types of home-based businesses such as music lessons, tutoring and accounting can be added to your Wyoming homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in Wyoming

Flooding in Wyoming

Spring rain and winter snow thaw are the main source of overland flooding in Wyoming, which has occurred in every county in the state.

Is flood damage covered by homeowners insurance in Wyoming?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Thunderstorms, Lightning and Hail

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Does home insurance cover lightning strikes and hail damage?

Most lightning and wind damage associated with thunderstorms is covered by a standard homeowners insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Winter Weather in Wyoming

It gets cold out there on the range with below freezing temperatures, ice and snow. Common winter weather problems include frozen pipes, roof collapse from snow, falling trees and branches, ice dam damage and cracked foundations.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof
  • Break tree branches that fall and damage your home

Is winter weather damage covered by home insurance?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbing and personal belongings.

Earthquakes in Wyoming

Most earthquake activity in Wyoming is based around or near Yellowstone Park, however seismic activity has been recorded throughout the state. The U.S. Geological Survey places Wyoming in the top ten earthquake states.

Does home insurance cover earthquakes in Wyoming?

Earthquake damage is an optional coverage for Wyoming homeowners whose homes meet certain construction requirements. Talk to your local Wyoming Safeco insurance agent about adding coverage for earthquakes to your Wyoming homeowners policy.

Wildfires in Wyoming

Wyoming has millions of acres of wilderness prone to wildfires. Common natural causes are lightning strikes and sparks from machinery. Most wildfires are started by human error and carelessness.

Does home insurance cover wildfire damage?

Your home insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings.

Tornadoes in Wyoming

Tornadoes can happen anywhere at any time. In the summer of 1987 a rare high-altitude tornado rated EF4 touched down in Yellowstone Park. Wyoming has an average of 12 tornadoes touch down each year.

Does home insurance cover tornado damage in Wyoming?

Your standard home insurance typically covers the cost to repair damage caused by a tornado.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506