Laramie, WY homeowners insurance is roughly $629 to $854, about $52-$71/month. Our thorough analysis indicates shoppers can save upto $296 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Laramie, WY | Homeowners Insurance Agency Near Laramie, WY | Address |
|---|---|---|
| Farmers | Andrea Andi Senior | 2523 E Garfield St Ste E, Laramie, WY, 82070 |
| Allstate | Burns Insurance Agency Inc | 237 Storey Blvd Ste 200, Cheyenne, WY, 82009 |
| State Farm | Jay Poulignot | 3348 Ridge Rd, Cheyenne, WY, 82001-1734 |
| State Farm | Scott Mcfarland | 3131 E Grand Avenue, Laramie, WY, 82070-5140 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| South Albany CCD, Albany County, Wyoming | $97 | $129 | $193 |
| East Albany CCD, Albany County, Wyoming | $115 | $153 | $230 |
| Albany County, Wyoming | $93 | $123 | $185 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Laramie, WY | 4.2% | 15.0% |
| South Albany | 4.93% | 17.5% |
| Albany County | 4.24% | 15.21% |
| Centennial | 7.11% | 23.14% |
| Laramie Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 140 | 2.0% | $791 |
| $300 to $499 | 1,167 | 16.0% | $1241 |
| $500 to $749 | 2,442 | 35.0% | $1916 |
| $750 to $999 | 1,796 | 26.0% | $2666 |
| $1,000 to $1,499 | 941 | 13.0% | $3791 |
| $1,500 or more | 391 | 5.0% | $5441 |
| Streets in Laramie Area | Homeowners Insurance Cost |
|---|---|
| Canyon Ct, Gibbs Rd, S Overland Rd, S 30th St, Co Rd 35, S Ashley St, S Aspen Ln, Downey St, S Short Pl, Mountain Valley Dr | $751 |
| Riverside Dr, W Garfield St, Inca Dr, Sherman Hill Rd, E Reynolds St, S Johnson St, Clark St, S Shetland Dr, S 26th St, Fraternity Row | $704 |
| North Dakota Dr, S 24th St, Piper Rd, W Kennedy Ave, Steele St, E Bradley St, S 1st St, Shield St, River Ranch Rd, Howell Rd | $757 |
| Skyline Rd, S Hodgeman St, B St, W Polk St, Sweetwater Dr, Fox Kit Rd, E Sherman Hill Rd, W Komart Dr, N Taylor St, Moulton Rd | $756 |
| W Sheridan St, N Superior Ct, Howe Rd, N Lincoln St, S Stuart St, Pfe Rd, W Monroe St, N Adams St, Vista Dr, West St | $727 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Laramie | $110 to $113 |
| South Albany | $115 |
| East Albany | $138 |
| Albany County | $111 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,300 | $3,300 |
| Yearly Laramie Homeowner Insurance Premium Example | $1,200 | $800 |
| Out of Pocket Expense During Claim | $1,300 | $3,300 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $9,700 | $8,900 |
| Net Savings to Laramie Home Owner from High Deductible Plan | $800 | |
| Scenario | Laramie, WY Home Replacement Value MORE than Home Value | Laramie, WY Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $102,000 | $75,000 |
| Insurance Premium based on Replacement Value | $600 | $425 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $10,000 | Risk Exposure from Under Insuring Coverage is $17,000 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $75/year |
| Insurance Company | State Farm | Farmers Insurance | Allstate |
| Monthly Premium | 115 | 23 | 114 |
| Year Built | 1949 | 2014 | 1981 |
| Home Details | 4 Beds, 2 Baths | 2 Beds, 1 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $300000-$350000 | $75000-$100000 | $250000-$300000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |