Burns Insurance Agency, Inc.
1465 N 4th St, Ste 115, Laramie, WY 82072
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Laramie households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1465 N 4th St, Ste 115, Laramie, WY 82072
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202 S 2nd St, Laramie, WY 82070
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225 E Garfield St, Laramie, WY 82070
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Learn about insurance coverage options specific to Laramie residents.
Laramie homeowners pay $1,819/year for insurance—26% below national average. Learn about wind damage coverage, hail deductibles, and rates.
Car InsuranceLaramie drivers face unique risks from high-altitude weather and wildlife. Learn what coverage you need beyond Wyoming's 25/50/20 minimums and save on rates.
Complete insurance guide for Laramie residents at 7,220 feet elevation. Learn about Wyoming's low requirements, wind/hail coverage, and essential protection.
Wyoming has some of the lowest home insurance rates in the nation because the state experiences fewer claims from hurricanes, earthquakes, and flooding compared to coastal or seismic-risk states. Laramie's average annual premium of $1,819 is 26% below the national average. However, you still need robust wind and hail coverage due to Wyoming's severe weather patterns.
Yes, standard home insurance policies cover wind damage to your dwelling and other structures. However, you may have a separate wind or hail deductible that's higher than your standard deductible—often 1% to 5% of your dwelling coverage amount. On a $300,000 home, that could mean paying $3,000 to $15,000 out of pocket before coverage begins for wind or hail damage.
Your dwelling coverage should equal the full cost to rebuild your home, not its market value. In Laramie, replacement costs typically exceed market values due to construction challenges from high altitude and weather exposure. A home worth $350,000 might cost $425,000 or more to rebuild. Talk to local contractors or use your insurer's replacement cost estimator to get an accurate figure.
Replacement cost coverage pays to buy new items at current prices, while actual cash value deducts depreciation before paying your claim. For example, if your 8-year-old roof is damaged, replacement cost coverage pays for a new roof, but actual cash value only pays what that worn roof was worth—potentially thousands less. Replacement cost coverage costs more but provides significantly better protection.
Nationwide offers the lowest rates in Laramie at approximately $1,111 per year, followed by State Farm. However, the cheapest option isn't always the best value. Compare coverage limits, deductibles, claims handling reputation, and customer service ratings before choosing based solely on price.
Credit scores create the largest rate variations in Wyoming home insurance, with premium differences reaching $1,738 annually between excellent and poor credit. Insurers use credit-based insurance scores to predict claim likelihood. Even improving your credit from fair to good can save you hundreds of dollars per year on premiums.
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