Homeowner insurance in Wyoming needs to be versatile enough to cover many different situations. Your home may be in a quiet neighborhood in town, with a basement and small garage, or you may have a plot of land in the county with a house and a large detached shop that requires care in making sure it is covered properly. You may have a chicken coop that you need to have covered by your homeowner policy, or some hunting equipment or artistic collectables that you would like to include in your homeowner insurance so they are protected, wherever you take them.

Your home may be your biggest single investment, and the items you keep inside are precious. There are so many variables that factor into putting together a thorough policy - “every home & situation is different.” Alkali State Insurance Agency’s clients know they can count on our knowledge, experience, and our ability to listen and get to know each and every homeowner and their needs- from hens to hunting, and from collectable art to heirloom jewelry.

Based on your individual needs, we will recommend a policy to protect your home, your valuables, and your lifestyle. That package could include:

• ​Dwelling (Coverage A): Your home and attached structures- attached garage, deck, etc. 

• Other Structures (Coverage B): Structures set apart from your home - detached garage, work shed, fence, etc.

• Personal Property (Coverage C): This is all your personal belongings - “stuff” - Typically your furniture, electronics, appliances, clothing, etc.

• Loss of Use (Coverage D): If your home is damaged to the point that you can not live in it, this coverage kicks in. Covers living expenses as you wait for your home to be habitable again.

• Personal Liability (Coverage E): Protection against claims or lawsuits by another person for damages due to bodily injury or property damage.

• Medical Payments (Coverage F): This coverage helps pay the medical bills of someone who doesn’t live with you that was injured on your property, and you may or may not be legally responsible for their injury.

We help you take full advantage of available discounts including:

• Home and auto policies placed with the same insurance company - “bundling.”

• Monitored burglar and/or fire detection systems.

• New home construction.

• Mature homeowner (55 years and older).

• Low Mileage

• Many, many more….

We check your policy annually in an effort to keep your coverage current given the skyrocketing cost of building materials. So if you experience a major or total loss, the goal is for you to be able to rebuild fully and rapidly. We let you know about optional, additional coverage that makes this possible, no matter how much material and labor costs have increased.


We can arrange the additional coverage you need if you make major upgrades to your home, or purchase items of significant value such as jewelry or artwork. We can also provide supplemental protection that is not covered by your standard homeowner policy such as Umbrella, Flood and Earthquake insurance.
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With Alkali State Insurance Agency, you’ll always have sound, experienced, local guidance on the protection that’s right for you. And if you do have an accident, we are local, knowledgeable, professional and ready to help you through the entire claims process.
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ASK US ABOUT Condominium and Renters Insurance!

• As a condo owner, your unit has separate needs than your building. Your condo association has a policy that protects the exterior of your unit, but you are responsible for the contents and liability inside your own space. “No two situations are alike with a condo…”

• Even if you don’t own your primary residence, most of your assets are located there. Computers, televisions, smart phones, cameras and electronic equipment as well as family jewelry and furniture are covered in our renter’s insurance policies, which can protect you from circumstances out of your control.