Directory · Wyoming · Homeowners

Who writes homeowners in Wyoming

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

State Farm Group wrote the most homeowners in Wyoming in 2025, $99.3M and 23.5% of the state's premium; the top five groups hold 70%. Wyoming's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Wyoming page.

By Sam Alishahi, independent insurance broker · All lines in Wyoming

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in Wyoming

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	State Farm Group	$99.3M	23.52%	78%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2	Farmers Insurance Group	$72.3M	17.12%	86%	Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
3	Mountain West Farm Group	$52.7M	12.49%	91%	360 Insurance Company, Mountain West Farm Bureau Mutual Insurance
4	Liberty Mutual Group	$39.8M	9.42%	29%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
5	United Serv Automobile Assn Group	$30.9M	7.32%	91%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
6	Allstate Insurance Group	$25.2M	5.98%	64%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
7	Chubb Ltd Group	$20.4M	4.83%	8%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
8	Tokio Marine Holdings Inc Group	$13.8M	3.26%	17%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
9	Travelers Group	$12.5M	2.96%	62%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
10	Nationwide Corporation Group	$10.6M	2.50%	55%	Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company

Turned down?

Last resort for homeowners in Wyoming

Last resort	Lines	Where	How to get in
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the Wyoming insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = Wyoming DOI '2025 Property & Casualty AdHoc Com Data Statement Report - run date 06/11/2026' (Google Sheet linked from https://doi.wyo.gov/companies under Company Financial Information > 2025 Financial Summary Information > Property & Casualty*). It lists every company filing a P&C annual statement in Wyoming with its NAIC code and Wyoming direct premium; it is an NAIC ad hoc financial report, not a DOI-labelled 'licensed companies' list, so completeness as a licence roster is inferred (764 companies, 493 with WY premium > 0). P&C only (life, health and title have separate sheets); 'type' is set from the report title, not per row. No domicile, lines of authority or licence dates are given. Surplus lines: Wyoming publishes no eligibility list (https://doi.wyo.gov/companies/surplus-lines); U.S. nonadmitted insurers qualify under NRRA (authorized in domicile, >= $15M capital & surplus), alien insurers must be on the NAIC Quarterly Listing of Alien Insurers (Edition 252, July 1, 2026), read from the SLIP+ mirror because content.naic.org is behind a Cloudflare challenge. Rows carry the NAIC AIIN (e.g. AA-1344102) in 'aiin' with naic left '' (not a 5-digit cocode); 'country' holds the domicile country, 'domicile' is '' (not a U.S. state); 88 alien companies + 104 Lloyd's syndicates; 'eligible' is '' because the listing gives no admission dates; 'footnote' marks NAIC footnotes (3 = RiverStone, run-off, not eligible anywhere; 1 = Chubb Seguros Mexico, ineligible in TX; 4 = Cigna Global, travel medical only). "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

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