Insurance in Cheyenne, WY
Thompson Insurance Agency writes auto, home, condo, renters, motorcycle, business, life, and recreational coverage for families in Cheyenne. We are licensed in Wyoming, and our office is 45 minutes south on I-25 in Fort Collins, which makes Cheyenne one of the closest markets we serve. We have been family-owned since 1969, and Eric and Amanda Thompson are only the third ownership group in that history. Most quotes take 10 to 20 minutes on the phone.
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What Cheyenne homeowners and drivers deal with
The wind
Cheyenne is one of the windiest places anyone lives in this country, and wind is the peril that quietly shapes a home policy here. It drives shingles off roofs, pushes over fences and outbuildings, and turns loose debris into a claim. The part of your policy that answers for it is the wind and hail deductible, which is often separate from your main deductible and is sometimes written as a percentage of your dwelling coverage rather than a flat dollar amount, which makes it larger than most people expect.
It is also worth knowing whether your roof is scheduled at replacement cost or actual cash value. Replacement cost pays to put a new roof on. Actual cash value pays what the old roof was worth after depreciation. Send us your current policy and we will tell you which way yours is written.
Wildlife on the highways
Between I-25, I-80, and US-85, Cheyenne drivers share the road with a lot of deer and antelope, and the collisions come most often in the dark half of the year. The coverage detail people get wrong: hitting an animal is a comprehensive claim, not a collision one, which usually carries a lower deductible. If you carry liability only, it is not covered at all. If you spend real time on Wyoming highways, comprehensive is the coverage to check.
Insured across the state line
Cheyenne is in Wyoming, and Wyoming sets its own insurance rules. We are licensed to write here, not just located nearby, so a Cheyenne policy is handled under Wyoming terms rather than treated as a Colorado policy that happens to cross the border. For a household that lives in one state and works in the other, that matters, and it is a common story in this corridor.
Coverage for Cheyenne families
Eight product lines, each structured around the realities of a Cheyenne address, from the wind off the plains to the antelope on I-25.
Home Insurance
Cheyenne wind is the exposure that shapes a home policy here. We start with the replacement cost number and the wind and hail deductible, plus the other-structures limit if your place came with a shop or acreage.
See home coverage 02Auto Insurance
I-25, I-80, and US-85 carry real miles and real wildlife. Comprehensive coverage matters more here than most places, because an antelope on the highway is a comprehensive claim, not a collision one.
See auto coverage 03Renters Insurance
For apartments around downtown, near the base, and across Cheyenne. A few hundred dollars a year covers your belongings, your liability, and somewhere to stay if you cannot live there.
See renters coverage 04Business Insurance
General liability, commercial auto, workers comp, BOPs, and cyber for Cheyenne storefronts, contractors, and Laramie County operators. Tell us what you run and we will walk through it.
Ask about business coverage 05ATV & Boat Insurance
Curt Gowdy, the reservoirs, and the trails west of town. Coverage for the side-by-side, the boat, the trailer, and the gear.
See rec coverage 06Condo Insurance
An HO-6 policy fills the gap between your unit and the HOA master policy: walls-in, contents, and liability.
See condo coverage 07Motorcycle Insurance
A short riding season and a lot of wind to respect. Seasonal use, custom parts, and gear coverage for Cheyenne riders.
See motorcycle coverage 08Life Insurance
Term, whole, and universal coverage. Ask us and we will lay out the options plainly.
See life coverageWe know Cheyenne
We are 45 minutes south in Fort Collins and licensed in Wyoming, which means Cheyenne is not a market we serve from a distance or on the edge of our territory. We know what the wind does to a roof over a season, we know which highways the antelope cross, and we know a lot of households here have one foot in Wyoming and one in Colorado.
You are not calling a call center in another state. You are calling an office 45 minutes down I-25, staffed by people licensed to write your Wyoming policy and glad to pick up the phone.
Plenty of households here own something on both sides of the line. South of it we write Loveland, Greeley and the rest of Colorado, so a move or a second property does not mean starting over with a new agent.
Common questions from Cheyenne customers
Get a Cheyenne insurance quote
Call (970) 482-5100 or send the form and we will be in touch within one business day.
- Phone (970) 482-5100
- Office 2108 Milestone Dr, Ste 210
Fort Collins, CO 80525 - Hours Monday-Friday · 8 a.m. - 5 p.m.