Published June 11, 2026 · 40 years in trucking & the trades
What we cover in Beloit
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Beloit choose a local agent
When you're in Beloit, Mitchell County, you get a real person who knows KS — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Beloit: the local picture
Beloit is a slowly shrinking, older county-seat town of 3,404 on the Solomon River, where health care (the ~320-employee Mitchell County Hospital), retail, and education anchor the local economy. The river's documented flood stages -- the city park and fairgrounds flood at 20 ft and rural lowlands at 18 ft -- mean properties in low-lying neighborhoods need flood coverage separate from a standard homeowners policy, while central-Kansas wind and hail remain the core perils for home, auto, and farm property. With a 17.7% housing-vacancy rate and a meaningful rental share, landlord/dwelling and renters policies, plus careful replacement-cost valuation on older homes, are recurring needs here.
Population: 3,404 (2020)
Major local employers & who's hiring
- Co-Op Fertilizer and Blending Plant — supplier
- Limestone Feed Yard — ranch
- Carrico Implement — truck_dealer
Local Beloit businesses
A few businesses that call Beloit home — independent of our agency.
- Central Valley Ag — ag-commercial
- Beloit Farm Supply — ag-commercial
- Ackerman Supply — ag-commercial
- Carrico Implement — ag-commercial
- Agmark Llc — ag-commercial
- Agco Corporation — ag-commercial
- Pump Mart — c-store
- Casey's — c-store
- Bomgaars — c-store
- Farmway Credit Union — financial
- Dunstan Trucking LLC — trucking
- Calhoon Automotive — main-street
Local facts that shape your coverage
- Beloit's population was 3,404 at the 2020 Census, an 11.2% decline from 3,835 in 2010, with a median age of 44.6 years. — An older, shrinking population skews toward owner-occupied homes, mature-driver auto, and Medicare-supplement / life needs rather than first-time-buyer growth.
- The 2020 Census counted 1,788 housing units in Beloit with a 17.7% overall vacancy rate and a 16.3% rental vacancy rate. — High vacancy and a sizable rental segment point to demand for landlord/dwelling (vacant-property) policies and renters coverage, plus older homes needing accurate replacement-cost valuation.
- Beloit sits on the Solomon River; the NOAA river gauge (USGS 06876000) documents that flooding reaches the Beloit city park and fairgrounds at 20 ft and rural lowlands at 18 ft, with the south and southwest sides of town and area bridges affected at higher stages. — Riverine flood exposure means standard home policies won't cover flood losses; properties near the Solomon and low-lying south/southwest neighborhoods are candidates for NFIP/private flood insurance.
- Downtown Beloit has been struck directly by a tornado only once on record, in November 1922, though the area has a humid subtropical climate typical of tornado-and-hail-prone central Kansas. — Wind and hail are the primary severe-weather perils for home, auto, and farm/commercial property; buyers should confirm roof coverage terms (ACV vs. replacement cost) and wind/hail deductibles.
- Beloit's economy employs roughly 1,400 people, led by Health Care & Social Assistance (404), Retail Trade (190), and Educational Services (135). — Health care, retail, and education employers drive demand for commercial general liability, workers' compensation, and group-benefits coverage in town.
- Mitchell County Hospital Health Systems, a not-for-profit 25-bed critical-access hospital at 400 W. 8th Street in Beloit, employs about 320 full- and part-time staff, making it one of the area's largest single employers. — A large hospital workforce concentrates workers'-comp and commercial-liability exposure and supports a base of insured employees needing personal auto, home, and life policies.
Local figures compiled from public sources: en.wikipedia.org · water.noaa.gov · datausa.io · mchks.com. Estimates — verify current details with the original source.
Insurance requirements in Kansas
Kansas is a no-fault state: along with liability, drivers must carry Personal Injury Protection (PIP), which pays your own medical costs regardless of who caused the crash. Kansas also sits in the heart of Tornado Alley, so hail and wind coverage is a real consideration for homes, farms, and businesses. We compare Kansas-admitted carriers to match those requirements to the right price. Verify current state minimums with the Kansas Insurance Department.
Beloit, KS insurance — common questions
How much does insurance cost in Beloit, KS?
Rates in Beloit and Mitchell County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Beloit?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Beloit and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Beloit today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.