Gavop's guide to buying homeowners insurance in Torrington, 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 | $42,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $94,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $130,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $206,500 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $250,000 | $210,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $691 |
| Superior Protection Discount | -$72 | $731 |
| Fire & Security Discount | -$64 | $739 |
| Hail Resistant Roof Discount | -$24 | $779 |
| Newly Constructed Home Discount | -$201 | $602 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,368 |
| Hail Damage | $4,900 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $16,386 |
| Home Insurance Company Torrington, WY | Homeowners Insurance Agency Torrington, WY | Address | Popularity Score | Distance from Torrington (miles) |
|---|---|---|---|---|
| State Farm | Mike Rafferty | 1917 E A St, Torrington, WY, 82240-2823 | 4.2 | |
| Farmers | Kelly Krakow | 100 E 27th Ave, Torrington, WY, 82240 | 4.6 | |
| State Farm | Lynda Lenz | 1309 9th Street, Wheatland, WY, 82201 | 36.6 | |
| Travelers | Points West Insurance | 1006 16th St, Wheatland, WY, 82201 | 37.1 | |
| Travelers | J G Elliott Company Wyoming Llc | 20 W Frontage Rd, Wheatland, WY, 82201 | 37.3 | |
| Allstate | Burns Ins Agy Inc. | 4550 Us Highway 26/85, Torrington, WY, 82240 | 4.0 | |
| Allstate | Burns Ins Agy Inc. | 957 Maple St, Wheatland, WY, 82201 | 36.6 | |
| Travelers | J G Elliott Company Wyoming Llc | 20 West Frontage Rd, Wheatland, WY, 82201 | 37.3 | |
| Liberty Mutual Independent | J G Elliott Company Wyoming Llc | 302 West 21st Ave, Torrington, WY, 82240 | 4.1 | |
| State Farm | Lynda Lenz | 1309 9th St, Wheatland, WY, 82201-2347 | 36.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Wyoming | $204,900 | $1,085 | $740 | $1,500 | $760 |
| Goshen County, WY | $154,900 | $819 | $570 | $1,140 | $570 |
| Torrington, WY | $148,200 | $803 | $550 | $1,120 | $570 |
| Lyman, NE | $55,000 | $698 | $500 | $970 | $470 |
| Morrill, NE | $80,700 | $867 | $620 | $1,190 | $570 |
| Scottsbluff, NE | $100,400 | $829 | $560 | $1,190 | $630 |
| Banner County, NE | $137,200 | $847 | $620 | $1,170 | $550 |
| McGrew, NE | $52,500 | $681 | $490 | $970 | $480 |
| Bowen, NE | $84,300 | $890 | $640 | $1,260 | $620 |
| West Bayard, NE | $69,800 | $797 | $550 | $1,130 | $580 |