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Guide

Wyoming homeowners insurance non-renewal rules

By Alishahi Insurance, independent broker · CA License #4348151 · Updated October 2026

Short answer: Under Wyo. Stat. §26-35-203, a Wyoming homeowners insurer that won't renew your policy must give you written notice at least 45 days before it expires. The notice must state the precise reason. If you think a notice broke the rules, contact the Wyoming Department of Insurance.

The rule

  • Written notice at least 45 days before the expiration or anniversary date, stating the precise reason
  • Article 2 applies to all property and casualty insurance except binders (§26-35-201)
  • §26-23-107 also restricts non-renewal based on natural-cause claims

Source: Wyo. Stat. §26-35-203.

What to do if you get a notice

  1. Check the dates. Count from when the notice was mailed or delivered.
  2. Ask your insurer or agent for the specific reason and whether a repair or update would change its decision.
  3. Start shopping right away. If regular insurers turn you down, ask about Wyoming's FAIR Plan or other residual market, if one exists.
  4. If the notice seems late or vague, file a complaint with the Wyoming Department of Insurance.

See also our non-renewal notice rules by state table.

Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in Wyoming.

Frequently asked questions

How much notice is required for a homeowners non-renewal in Wyoming?

At least 45 days, under Wyo. Stat. §26-35-203.

Does the insurer have to give a reason?

The notice must state the precise reason.

Who regulates insurance in Wyoming?

The Wyoming Department of Insurance.

Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.

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