Gavop's guide to buying homeowners insurance in Niobrara County, WY covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $47,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $140,500 | $120,000 | $125,000-$150,000 |
| 3 Bedroom | $190,500 | $170,000 | $200,000-$250,000 |
| 4 Bedroom | $228,500 | $210,000 | $175,000-$200,000 |
| 5 Bedroom | $371,500 | $310,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$138 | $675 |
| Superior Protection Discount | -$73 | $740 |
| Fire & Security Discount | -$81 | $732 |
| Hail Resistant Roof Discount | -$24 | $789 |
| Newly Constructed Home Discount | -$187 | $626 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Niobrara County | $2,000 | $803 | $2,803 | $584 | $2,584 | $220 |
| Niobrara County, WY | $2,500 | $803 | $3,303 | $584 | $3,084 | $220 |
| Lusk, WY | $100 | $845 | $945 | $614 | $714 | $231 |
| Manville, WY | $2,500 | $934 | $3,434 | $679 | $3,179 | $255 |
| Edgemont, SD | $300 | $600 | $900 | $436 | $736 | $164 |
| Douglas, WY | $2,000 | $888 | $2,888 | $645 | $2,645 | $243 |
| Bowen, NE | $500 | $879 | $1,379 | $639 | $1,139 | $240 |
| Rawhide Creek, WY | $1,000 | $1,244 | $2,244 | $904 | $1,904 | $340 |
| Newcastle, WY | $500 | $858 | $1,358 | $624 | $1,124 | $235 |
| Fall River County, SD | $2,500 | $719 | $3,219 | $522 | $3,022 | $196 |
| Home Insurance Company Niobrara County, WY | Homeowners Insurance Agency Niobrara County, WY | Address | Popularity Score | Distance from Niobrara County (miles) |
|---|---|---|---|---|
| State Farm | Dot Whiteaker | 302 South Main Street, Lusk, WY, 82225 | 20.7 | |
| Allstate | Security Ins Agency | 112 South Main, Lusk, WY, 82225 | 20.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Wyoming | $204,900 | $1,085 | $730 | $1,500 | $770 |
| Niobrara County, WY | $152,500 | $813 | $590 | $1,150 | $560 |
| Niobrara County, WY | $152,500 | $813 | $580 | $1,150 | $570 |
| Lusk, WY | $118,300 | $855 | $620 | $1,220 | $600 |
| Manville, WY | $144,400 | $945 | $670 | $1,340 | $670 |
| Edgemont, SD | $45,600 | $607 | $410 | $840 | $430 |
| Douglas, WY | $196,800 | $899 | $620 | $1,250 | $630 |
| Bowen, NE | $84,300 | $890 | $610 | $1,230 | $620 |
| Rawhide Creek, WY | $311,800 | $1,259 | $910 | $1,780 | $870 |
| Newcastle, WY | $179,100 | $869 | $630 | $1,220 | $590 |
| Fall River County, SD | $116,700 | $727 | $520 | $1,040 | $520 |