Home Warranty Companies in Wyoming
2026 State Guide
Our data lists 9 of the 15 companies we track as serving Wyoming. AFC Home Club ranks first among them at 8.2 out of 10. Wyoming is semiarid with large day-to-night temperature swings, and elevations range from about 3,100 to 13,800 feet.
Companies Available
9
of 15 tracked
Top 3 Picks From
$39
per month, by plan
Primary Risk
Heat
heating, our reading
Regulator
Wyoming Department of Insurance
Service contract law
Wyoming State Snapshot
Housing units
280,121
Owner-occupied rate
71.9% (US 65%)
Median home value
$285,100
Primary HVAC risk
Heating (our reading)
Companies listed
9 of 15 tracked
Regulatory body
Wyoming Department of Insurance
71.9% of Wyoming homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $285,100, 6% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Wyoming. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Wyoming's largest city, Cheyenne, 67.1% of homes are owner-occupied and the median owner-occupied home is worth $333,700.
Source: Census Bureau QuickFacts for Cheyenne, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Wyoming's climate puts heating under strain, in our reading
Wyoming is semiarid with large day-to-night temperature swings, and elevations range from about 3,100 to 13,800 feet. Winter minimums at most locations fall roughly between 5 and 18 F, and summer average daytime highs in most of the state run from about 75 to 89 F. The state has warmed by roughly 2.5 degrees F since the early 1900s, with the most change in winter.
Heating does most of the work here, so check that a plan covers furnaces and boilers and what its HVAC cap is.
Source: NOAA NCEI State Climate Summary for Wyoming (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Wyoming estimate. 9 of 15 tracked companies serve Wyoming in our data; "Likely" and "Check" rows are not verified for Wyoming.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | WY |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Check |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Wyoming
Highest overall score among companies that serve Wyoming, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Wyoming
Our data lists First American Home Warranty as not serving Wyoming. It serves 35 states per our research.
Check availability: Old Republic Home Protection, HSA Home Warranty, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Wyoming. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Wyoming Regulates Home Warranties
Regulator
Wyoming Department of Insurance
Legal framework
Service contracts (W.S. 26-49-101 and following)
The Wyoming Department of Insurance says all providers of service contracts sold in Wyoming must register under W.S. 26-49-101 and following. Providers choose one of three financial assurance methods: a reimbursement insurance policy, a funded reserve of at least 40 percent of gross consideration less claims paid, or a net worth of $100 million. Registered providers can market contracts without a prior review of their forms, though new applications include specimen forms. Providers file annual renewals before September 1 with a balance sheet, an income statement, a Faithful Performance Verification Form and a $200 fee. Chapter 49 excludes mechanical breakdown insurers licensed under W.S. 26-37-106. We did not confirm how the department classifies each home warranty product.
Type of rules: General service contract law. A service contract law with registration, bonding or disclosure rules. Whether it reaches a particular home warranty plan was not confirmed.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Wyoming Department of Insurance: service contract providers
- Wyoming 2022 Enrolled Act 55 (HB0064), amending W.S. 26-49-102 (PDF)
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Wyoming Homeowners
Check the company's registration
Wyoming regulates service contracts under a general law with registration, bonding or disclosure rules, and we could not confirm how it applies to every home warranty plan. Ask the Wyoming Department of Insurance whether the company is registered.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Check registration
The Wyoming Department of Insurance says all providers of service contracts sold in Wyoming must register, and providers renew every year before September 1. Details
Confirm coverage for your address
5 companies in our data serve only some states and are marked "check availability" for Wyoming. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Wyoming
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Wyoming's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Wyoming Attorney General: consumer complaints
The Consumer Protection and Antitrust Unit focuses on patterns of unfair or deceptive practices that harm many consumers, so one complaint may not lead to an investigation. Incomplete forms are returned.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Wyoming
Which home warranty companies serve Wyoming?
What is the best home warranty company in Wyoming?
Which home warranty plan has the highest HVAC coverage in Wyoming?
How much does a home warranty cost in Wyoming?
How does Wyoming's climate affect which plan to buy?
Where do I file a home warranty complaint in Wyoming?
How are home warranties regulated in Wyoming?
Neighboring States
Compare All Wyoming-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Wyoming, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.