Average homeowners insurance cost in Casper, WY

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As per Insure.com’s rate data analysis, 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 $1000 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:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Nationwide is the cheapest homeowners insurance company in Casper with an average annual premium of $2,190 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Casper. Keep reading to learn about the monthly cost of homeowners insurance in Casper, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Casper.

Key takeaways

The cost of your homeowners insurance policy in Casper can vary based on factors such as your location, the value of your home, and the coverage options you select.
Nationwide is the cheapest homeowners insurance company in Casper with an average annual premium of $1,176.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $641 more, annually for home insurance.

Average homeowners insurance cost in Casper per month

Residents of Casper pay an average of $182 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $25 more than the state average of $157 and $33 less than the national average for home insurance across the United States.

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

In Casper, WY, homeowners pay an average of $1,549 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Casper

According to Insure.com’s rate analysis, homeowners in Casper typically pay an average of $2,190 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $641. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Casper by company

After evaluating several carriers, Nationwide is the least expensive homeowners insurance provider in Casper. It’s average annual rate for homeowners in Casper is $1,176.

State Farm holds the second position, while Farmers secures the third spot with an average annual home insurance rate of $2,692.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Casper and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Casper and their average annual premiums.

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

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 $1,000 deductible. The data presented are those with a good credit tier alignment.