Wyoming insurance
Wyoming coverage built around land, livestock, and long miles.
From Star Valley hay ground to Jackson second homes, we write Wyoming accounts out of our Montpelier office — a short drive from the state line.
Most Wyoming families we meet are underinsured in the same place: the homeowners policy is doing work it was never designed for. Outbuildings, corrals, hay in storage, mobile machinery, and livestock are limited or excluded outright on a standard HO-3. A farm and ranch policy handles them as scheduled property.
Liability is the other gap. The moment you sell beef, board horses, lease pasture, or hire seasonal help, the personal liability on a homeowners policy stops responding. Farm liability plus employer's liability closes that — and in Wyoming, workers' compensation runs through the state fund, which changes how the whole package gets built.
We also see a lot of highway exposure here. Long rural commutes, wildlife strikes, and gravel-road windshield damage all push toward comprehensive coverage and higher liability limits than the state requires.
Coverage we write in Wyoming
- Farm and ranch packages — dwellings, outbuildings, barns, and corrals
- Scheduled farm machinery, mobile equipment, and hay in storage
- Livestock mortality, herd coverage, and high-value breeding stock
- Farm and premises liability, plus employer's liability for ranch hands
- Auto, ranch trucks, stock trailers, and gooseneck units
- Homeowners, cabins, and Jackson-area second homes
- Commercial general liability for outfitters, contractors, and trucking
- Umbrella liability layered over farm, auto, and business
What Wyoming drivers and owners should know
Wyoming auto minimums are 25/50/20
$25,000 bodily injury per person, $50,000 per accident, $20,000 property damage. With today's truck values, $20,000 in property damage is one collision away from being inadequate.
Workers' comp runs through the state fund
Wyoming is a monopolistic-style state fund for most covered employment. Your commercial package still needs employer's liability — the state fund doesn't provide it.
Livestock is not covered by a home policy
Lightning, drowning, and accidental shooting are typical named perils on a livestock endorsement. Standard homeowners coverage treats animals as excluded property.
Wildlife strikes and gravel roads
Deer, elk, and antelope collisions are comprehensive claims, not collision. Skipping comprehensive to save a few dollars is the most common Wyoming coverage mistake we correct.
Communities we serve in Wyoming
We work with clients across the entire state — these are simply the towns we hear from most. Everything can be handled by phone, email, or secure upload.
- Cokeville
- Kemmerer
- Afton
- Star Valley Ranch
- Evanston
- Jackson
- Pinedale
- Green River
- Rock Springs
- Lander
- Cody
- Cheyenne
Your Wyoming contact
Treven handles Wyoming accounts directly.
Office hours: Monday–Friday, 9am–5pm Mountain Time · 868 Washington Street, Montpelier, Idaho 83254
Wyoming insurance questions, answered
The questions we hear most from Wyoming clients — answered plainly by a licensed independent agent.
Ready for a second opinion on your Wyoming policy?
Upload your current declarations page securely on the quote form and we'll tell you honestly whether we can beat it.