Published July 6, 2026 · 40 years in trucking & the trades
What we cover in Highland
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Highland choose a local agent
When you're in Highland, Doniphan 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 Highland: the local picture
Living here in Highland, we know that our properties, whether homes or businesses, face some real challenges. Given our location in Northeast Kansas, severe weather is a constant concern. We regularly see 'Slight Risk' advisories for tornadoes and hail, making robust property coverage absolutely essential. When those storms roll through, having adequate wind and hail coverage, especially for roof replacement, isn't just a luxury—it's a necessity. You don't want to be caught short when a major hailstorm hits and your roof, or even your entire structure, needs significant repair or replacement. Our housing stock, with a median build year of 1964 for owner-occupied units, means many homes are older. While charming, this age often implies systems that might not meet today's building codes. When it comes to repairs after a claim, like a roof replacement or significant structural work, you'll want to ensure your policy includes coverage for code upgrades. This can prevent unexpected out-of-pocket expenses. While we do see new single-family construction permits, the character of Highland's homes is largely shaped by these older, traditional builds. For our local employers like Highland Community College, Doniphan West USD 111, Highland Healthcare and Rehabilitation, and Double R Grain Farms, comprehensive commercial property, general liability, and workers' compensation policies are critical to protect their operations and employees. Additionally, with the Wolf River nearby and Doniphan County's historical susceptibility to floods, particularly along the Missouri River, flood insurance is a serious consideration for many. It's smart to evaluate your property's elevation and proximity to water sources. Businesses like Kirkwood & Co. | Table & Tap, and our local roofing contractors like Loctite Roofing LLC, Smile Roofing Contractors KS-Highland, Signature Roofing, and SRG Roofing, all benefit from the local economy but also need to protect their own assets against these same risks.
Population: 903 (2020)
Housing in Highland
The housing stock in Highland, KS has a median year built of 1964 for owner-occupied units, indicating a predominantly older character. While specific material breakdowns (brick/frame/manufactured) are not detailed, the age suggests a mix of traditional construction. New single-family construction permits are issued, indicating some newer development alongside the existing older homes. This older housing stock means replacement costs for roofs and other components should consider the age and potential need for updates to meet current building codes. Source: https://www.city-data.com/city/Highland-Kansas.html
Major local employers & who's hiring
- Highland Community College — Education Actively hiring
- Doniphan West USD 111 — Education Actively hiring
- Highland Healthcare and Rehabilitation — Healthcare/Rehabilitation Actively hiring
- Double R Grain Farms — Agriculture/Grain
- Twombly Seed Services — farm
Local Highland businesses
A few businesses that call Highland home — independent of our agency.
- Kirkwood & Co. | Table & Tap — Restaurant
- Loctite Roofing LLC — Roofing Contractor
- Smile Roofing Contractors KS-Highland — Roofing Contractor
- Signature Roofing — Roofing Contractor
- SRG Roofing — Roofing Contractor
- Conoco — c-store
- LibertyX Bitcoin ATM — financial
Local landmarks & geography
- Wolf River — Flood risk due to proximity to a significant waterway in Doniphan County.
- Highland Community College — Affects property values, population density (students), and may have specific risks associated with campus facilities.
Local facts that shape your coverage
- Highland, Kansas, had a population of 903 residents as of the 2020 United States Census. — High
- The city is home to Highland Community College. — High
- Hail and wind damage has been spotted near Highland, KS, with a notable recent hail event on Thursday, June 4, 2026. — High
- Doniphan County, Kansas, has a history of devastating floods, particularly along the Missouri River. — Medium
- As of the 2020 census, the population of Highland, Kansas was 903. — Population size impacts local economy, housing density, and overall insurance market dynamics.
- The median year built for owner-occupied housing units in Highland, KS is 1964. — Indicates a predominantly older housing stock, which can affect replacement costs and the need for code upgrade coverage in insurance policies.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · unitedstatesghosttowns.com · city-data.com · careers.insidehighered.com · usd111.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.
Highland, KS insurance — common questions
How much does insurance cost in Highland, KS?
Rates in Highland and Doniphan 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 Highland?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Highland and all of KS — home, auto, farm, business, life, and more.
Can I get a quote in Highland 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.