Published June 23, 2026 · 40 years in trucking & the trades
What we cover in Ellis
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Ellis choose a local agent
When you're in Ellis, Ellis 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 Ellis: the local picture
Living and working in Ellis, you know our town isn't just a dot on the map; it's a community with specific needs when it comes to protecting what matters. With our historic roots as a railroad town and an economy now bolstered by employers like Ellis USD 388 and Kansas Granite Industries, businesses here need robust coverage. Kansas Granite, with its modern 37,000 sq. ft. facility, likely requires comprehensive commercial property insurance to protect its valuable machinery and inventory. Beyond property, general liability and workers' compensation are crucial for any operation, especially one involving manufacturing and heavy materials. For local spots like A&W Restaurant and Love's Travel Stop along I-70, business interruption coverage is key – a severe storm or unexpected event could halt operations, and that's where a good policy steps in to keep things running.
Our homes, many of them older due to Ellis's rich history, present their own set of considerations. The average age of housing in Ellis County means that replacement cost coverage is vital, as older construction methods and materials can be more expensive to repair or rebuild to current codes after a loss. Beyond age, the Kansas weather demands attention. We're no strangers to severe storms, especially hail and tornadoes, which means homeowners need strong dwelling coverage for roof damage and other structural impacts. Given our proximity to Big Creek and the Smoky Hill River, and past flood events like the one in 1957, flood insurance isn't just a suggestion; it's a necessity for many properties, offering protection that standard homeowner policies don't.
Ultimately, whether you're protecting a home, a business, or a vehicle, understanding the local risks is paramount. From the potential for hail damage to the need for flood protection near our waterways, and ensuring our local employers like the City of Ellis and USD 388 are adequately covered for their operations and employees, insurance in Ellis isn't one-size-fits-all. It's about tailored protection that reflects our unique environment and community.
Population: 1958 (2020)
Housing in Ellis
The housing stock in Ellis County, KS (which includes Ellis) has an average age, suggesting a prevalence of older homes (https://www.bestplaces.net/housing/county/kansas/ellis). Construction types likely include traditional frame homes, and manufactured or modular homes are also present (https://www.manufacturedhomes.com/city/Ellis/Kansas/). There is no explicit mention of a formal historic district or new subdivisions in the provided search results, though the city website notes a 'community rich in history' (https://ellis.ks.us/), implying older, well-established residences. The presence of older housing stock means that roof replacement and general replacement costs could be a significant factor due to age and potential for varied construction materials and methods.
Major local employers & who's hiring
- Ellis USD 388 — Education hiring
- City of Ellis — Government/Public Administration
- Kansas Granite Industries — Manufacturing (Granite)
- GOLDEN BELT COOP — association_or_organization
- Grain Elevator — food
Local Ellis businesses
A few businesses that call Ellis home — independent of our agency.
- A&W Restaurant — Restaurant
- Love's Travel Stop — Auto Shop
- GOLDEN BELT COOP — ag-commercial
- Casey's — c-store
- Big Creek Restoration — main-street
- Chamber of Commerce — main-street
- Equity Bank — main-street
- Ellis Golf Club — main-street
- Ellis Recreation Commission — main-street
- STL Enterprises — main-street
- United States Postal Service — main-street
- Golden Belt Telephone Association Inc — main-street
Local landmarks & geography
- Big Creek — A significant local waterway that meanders near Ellis, contributing to potential flood risk for properties in its floodplain. Ellis County, which includes Ellis, KS, has identified flood risks.
- Smoky Hill River — Part of the regional drainage basin that includes Big Creek, indicating a broader hydrological influence and potential for flood risk in areas connected to this system.
- Downtown Ellis (Historic Area) — The downtown area has historical significance dating back to the Kansas Pacific Railroad in 1867. Older buildings in historic areas often have unique construction, materials, and infrastructure (e.g., plumbing, electrical) that can affect insurance premiums, repair costs, and specific coverage needs.
- Cedar Bluff State Park — Located approximately 23 miles southwest of Ellis. As a large natural recreational area, it can influence local traffic patterns and, depending on specific environmental factors (e.g., wildfire risk in dry conditions), could indirectly affect insurance considerations for nearby properties.
- Interstate 70 — This major east-west interstate runs just north of Ellis. Proximity to a major highway impacts property values due to accessibility, can increase risks for traffic-related incidents, and may contribute to noise pollution, all of which can be factors in property insurance and desirability.
- Kansas Granite Industries — An industrial business located in Ellis. The presence of industrial operations can affect property insurance in nearby residential or commercial areas due to potential environmental concerns, increased commercial traffic, or specific industrial risks.
Local facts that shape your coverage
- The Ellis, KS area has had 55 reports of on-the-ground hail by trained spotters, and has been under severe weather warnings 18 times during the past 12 months. Doppler radar has detected hail at or near Ellis, KS on 112 occasions, including 8 occasions during the past year. — High
- Ellis, Kansas, is located in an area with historical tornado activity, and residents can track live Ellis County tornado warnings and local statistics. — High
- A severe flood occurred in Ellis, Kansas, in June 1957 due to a significant amount of rain. — High
- First Street Foundation provides high-resolution, interactive flood maps and climate risk reports for properties in Ellis, KS, and Ellis County, KS. — Medium
- Ellis County, which includes Ellis, has a documented flood risk with properties having a 12% chance of being severely affected by flooding over the next 30 years. — Directly impacts the necessity and cost of flood insurance for homeowners and businesses.
- Ellis, KS, is located in an area that receives regular tornado warnings and has 55 on-the-ground hail reports and 112 Doppler radar detections in the area, with 8 in the past year. — Highlights the high risk of wind and hail damage, making comprehensive property insurance with appropriate deductibles crucial.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · tornadopath.com · carmeswotte.wordpress.com · firststreet.org · firststreet.org. 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.
Ellis, KS insurance — common questions
How much does insurance cost in Ellis, KS?
Rates in Ellis and Ellis 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 Ellis?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Ellis and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Ellis 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.