Gavop's guide to buying homeowners insurance in Carbon 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 | $66,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $142,000 | $110,000 | $100,000-$125,000 |
| 3 Bedroom | $181,500 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $261,500 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $413,500 | $370,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$116 | $712 |
| Superior Protection Discount | -$74 | $753 |
| Fire & Security Discount | -$74 | $753 |
| Hail Resistant Roof Discount | -$25 | $803 |
| Newly Constructed Home Discount | -$182 | $645 |
| 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 |
| Carbon County | $1,500 | $817 | $2,317 | $594 | $2,094 | $223 |
| Carbon County, WY | $700 | $817 | $1,517 | $594 | $1,294 | $223 |
| Sinclair, WY | $300 | $912 | $1,212 | $663 | $963 | $249 |
| Rawlins, WY | $2,500 | $808 | $3,308 | $587 | $3,087 | $221 |
| Elk Mountain, WY | $400 | $958 | $1,358 | $696 | $1,096 | $262 |
| Saratoga, WY | $700 | $1,078 | $1,778 | $783 | $1,483 | $295 |
| Hanna, WY | $400 | $674 | $1,074 | $490 | $890 | $184 |
| Encampment, WY | $2,000 | $1,060 | $3,060 | $770 | $2,770 | $290 |
| Medicine Bow, WY | $200 | $721 | $921 | $524 | $724 | $197 |
| Centennial, WY | $200 | $1,093 | $1,293 | $794 | $994 | $299 |
| Home Insurance Company Carbon County, WY | Homeowners Insurance Agency Carbon County, WY | Address | Popularity Score | Distance from Carbon County (miles) |
|---|---|---|---|---|
| State Farm | Ben Whitfield | 205 W Cedar, Rawlins, WY, 82301-0639 | 16.8 | |
| Farmers | Randy Dabb | 316 E Cedar St, Rawlins, WY, 82301 | 16.6 | |
| Allstate | Burns Ins Agy Inc | 410 S 1st, Saratoga, WY, 82331 | 18.6 | |
| State Farm | Ben Whitfield | 205 W Cedar St, Rawlins, WY, 82301-5625 | 16.8 | |
| Allstate | Allen Insurance | 209 South First Street, Saratoga, WY, 82331 | 18.4 | |
| Allstate | Burns Ins Agy Inc | 1208 W Spruce St, Rawlins, WY, 82301 | 17.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Wyoming | $204,900 | $1,085 | $780 | $1,490 | $710 |
| Carbon County, WY | $158,600 | $827 | $550 | $1,180 | $630 |
| Carbon County, WY | $158,600 | $827 | $550 | $1,170 | $620 |
| Sinclair, WY | $137,500 | $923 | $620 | $1,320 | $700 |
| Rawlins, WY | $154,500 | $818 | $590 | $1,120 | $530 |
| Elk Mountain, WY | $153,100 | $970 | $670 | $1,390 | $720 |
| Saratoga, WY | $208,600 | $1,091 | $800 | $1,490 | $690 |
| Hanna, WY | $81,000 | $682 | $490 | $930 | $440 |
| Encampment, WY | $198,600 | $1,073 | $760 | $1,530 | $770 |
| Medicine Bow, WY | $90,000 | $730 | $520 | $1,040 | $520 |
| Centennial, WY | $217,300 | $1,106 | $760 | $1,520 | $760 |