Published July 19, 2026 · 40 years in trucking & the trades
What we cover in Bosworth
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Bosworth choose a local agent
When you're in Bosworth, Carroll County, you get a real person who knows MO — 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 Bosworth: the local picture
Folks in Bosworth, we know our town is small, but that doesn't mean our insurance needs are any less significant. With a good chunk of our homes built before 1939, it's critical to make sure your homeowner's policy accounts for the unique challenges of older construction. We're talking about potential updates to wiring, plumbing, and roofing that might not meet today's codes, which can impact replacement costs if something goes wrong. Making sure you have adequate coverage, perhaps even an older home endorsement, is key to protecting your biggest asset. For our local businesses like North Central MFA or the Bosworth R-V School District, property insurance needs to be robust, covering everything from the main office to the school gym, especially considering our weather.
Speaking of weather, we know all too well about hail here in Bosworth. With dozens of radar detections and severe weather warnings annually, roofs take a beating. Homeowners and businesses, especially those like Homeland Roofing LLC that are often called in after a storm, need to ensure their property policies have strong hail coverage, and don't forget your vehicles – comprehensive auto insurance is a must. And let's not overlook our flood risk; the First Street Foundation study points to more flood-prone properties than FEMA estimates, making it clear that a separate flood insurance policy, beyond standard homeowner's or commercial coverage, is a smart move for anyone near the Missouri River or in low-lying areas. This isn't just about major events; nuisance flooding can cause significant damage too.
Our economy, while small, is diverse, with folks working in Manufacturing, Health Care & Social Assistance, and Retail Trade. This means our local businesses – from Hydro Jetting to our local Electrician – need tailored commercial policies. Think general liability to protect against everyday risks, workers' compensation for employees, and commercial auto for work vehicles. For our manufacturers, product liability might be a concern, and for healthcare providers, professional liability is crucial. It's all about understanding the specific risks that come with doing business right here in Bosworth.
Population: 213 (2020)
Housing in Bosworth
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Major local employers & who's hiring
- Bosworth R-V School District — Education
Local Bosworth businesses
A few businesses that call Bosworth home — independent of our agency.
- Homeland Roofing LLC — Roofing Contractor
- North Central MFA — Farm Supply
- Hydro Jetting in Bosworth, MO — Plumbing Services
- Electrician in Bosworth, MO — Electrical Contractors
Local landmarks & geography
- Missouri River — While not directly adjacent to Bosworth, Carroll County (where Bosworth is located) is bordered by the Missouri River, which is a major waterway and can contribute to regional flood risk. Properties within the broader watershed may experience indirect effects or higher flood insurance premiums due to regional flood plains.
- Katy Trail State Park — Although not within Bosworth, Katy Trail State Park is a significant state-wide recreational landmark. Proximity to such a park could influence property values and desirability in nearby communities, which can indirectly affect insurance value for homes that cater to outdoor enthusiasts.
- Watkins Mill State Park — Similar to Katy Trail, Watkins Mill State Park is a regional recreational area that offers outdoor activities. Its general proximity to Bosworth could subtly impact local property appeal and, consequently, insurance valuation, although it's not directly in the town.
- Crowder State Park — Crowder State Park, near Trenton, MO, is another state park mentioned in proximity to Bosworth. The presence of nearby state parks can contribute to the overall attractiveness of a rural area, potentially affecting property values and insurance considerations for recreational properties.
Local facts that shape your coverage
- The Bosworth, MO area has had 2 reports of on-the-ground hail by trained spotters. — High
- Bosworth, MO, has been under severe weather warnings 26 times during the past 12 months. — High
- Doppler radar has detected hail at or near Bosworth, MO on 38 occasions, including 3 occasions during the past year. — High
- A study by the First Street Foundation found that Missouri has more flood-prone properties than estimated by the Federal Emergency Management Agency (FEMA), indicating a higher overall flood risk in the state, including potential for nuisance flooding in areas like Carroll County where Bosworth is located. — Medium
- The economy of Bosworth, MO employs 82 people. The largest industries are Manufacturing (16 people), Health Care & Social Assistance (12 people), and Retail Trade (10 people). — Provides context for commercial insurance needs (e.g., general liability, workers' compensation, specialized coverages for specific industries).
- Bosworth has 105 housing units, with a median property value of $58,300. A significant portion of homes (30 units) were built in 1939 or earlier. — Indicates a predominantly older housing stock, which can influence homeowner's insurance premiums, coverage needs (e.g., replacement cost vs. actual cash value), and potential for older systems (wiring, plumbing).
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · wmar2news.com · datausa.io · bosworthschooldistrict.com · hd.housedivided.dickinson.edu. Estimates — verify current details with the original source.
Insurance requirements in Missouri
Missouri is an at-fault (tort) state: every driver must carry liability insurance, and Missouri also requires uninsured-motorist coverage — which matters because not everyone on the road is insured. Missouri sits in a hail- and tornado-prone corridor, so wind/hail protection and your roof's condition weigh heavily for homeowners and farm owners. As an independent agency we shop multiple carriers to fit Missouri's rules and weather to your budget. Verify current state minimums with the Missouri Department of Commerce & Insurance.
Bosworth, MO insurance — common questions
How much does insurance cost in Bosworth, MO?
Rates in Bosworth and Carroll 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 Bosworth?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Bosworth and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Bosworth 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.