Average homeowners insurance cost in Casper, Wyoming

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Our data shows that the average cost of homeowners insurance in Casper is $2,190 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $392 less than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Casper depend on several factors, including:

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Casper, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Casper.

Key Takeaways

Homeowners insurance costs $2,190 per year in Casper.
At $1,176 per year, Nationwide offers the cheapest homeowners insurance in Casper.
Your home insurance rates increase by $641 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost in Casper per month

Residents of Casper pay an average of $182 a month for homeowners insurance. It’s $25 more than the state average of $157 and $33 less than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Casper may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

In Casper, WY, homeowners pay an average of $1,549 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house

As per rate analysis by Insure.com, homeowners residing in Casper typically pay an average of $2,190 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $641 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Casper by company

Among the carriers we analyzed, Nationwide is the cheapest homeowners insurance company in Casper. Its average annual rate for Casper homeowners is $1,176 , while State Farm ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Casper and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home Insurance Company	Annual rate
Nationwide	$1,176
State Farm	$2,211
Farmers	$2,692
Allstate	$3,292
USAA*	$1,578

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in Wyoming that can impact your home insurance

Living in Wyoming comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.

By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.

Wyoming is commonly affected by Avalanche.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

Pro tip: Review your policy annually

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Casper for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.