How to Protect Your Wyoming Home

Wyomingite homeowners tend to understand the importance of having a good homeowner's insurance policy. The likelihood of your home being damaged by one of the state's famous snowstorms, seismic activity, wind, and possible floodwaters from regular snow runoff makes owning a good policy a necessity, but is your coverage sufficient to protect you from all of these disasters and more? Probably not.

When shopping for a policy, there are three things you want to keep in mind for choosing your broker or provider, the price, service level, and the longevity of the carrier that is offering to sell you a plan. For your policy you want to make sure that you are receiving the best available coverage for your area at the most affordable price for you. This does not mean that you are obligated to buy the most expensive option you can find - not all coverage levels will be appropriate to your needs. For example, if you live in a $25,000 single-wide manufactured home on the outskirts of Cheyenne, you don't need to purchase a plan that will provide you with $100,000 of coverage for structure damage. On the other hand, if you live in one of those nice, $600,000 mansions on the other side of town, $100,000 worth of structural coverage may well not be enough. The other considerations are defined as: