Published June 28, 2026 · 40 years in trucking & the trades
What we cover in Chillicothe
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Chillicothe choose a local agent
When you're in Chillicothe, Livingston 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 Chillicothe: the local picture
Chillicothe's biggest insurance story is the Grand River, which runs about a mile south of town and crested near 35 feet against a 24-foot flood stage in April 2017 — flood and business-interruption coverage are real needs for homes, farms, and commercial sites in the floodplain, not afterthoughts. With a manufacturing and corrections/healthcare job base (Missouri Dept. of Corrections, Grand River Health System, Sonoco, Donaldson, Midwest Quality Gloves, Citizens Bank & Trust), local employers carry meaningful workers' comp, general liability, and commercial property exposure. And with 13.5% of housing vacant and 37.4% of households single-person, there's a solid renters and landlord (dwelling-fire) market alongside standard homeowners.
Population: 9,107 (2020)
Major local employers & who's hiring
- Farmers' Electric Cooperative — office
- Cooper Seed LLC — services
- MFA Oil Petro-Card 24 — gas station
- MFA Oil — shopping
- North Central MFA — ag-commercial
- Felton Trucking and Grain — transportation
Local Chillicothe businesses
A few businesses that call Chillicothe home — independent of our agency.
- Farmers' Electric Cooperative — ag-commercial
- Seeds Worship House — ag-commercial
- Cooper Seed LLC — ag-commercial
- MFA Oil Petro-Card 24 — ag-commercial
- MFA Oil — ag-commercial
- North Central MFA — ag-commercial
- BP — c-store
- Hy-Vee Fast and Fresh — c-store
- Chillicothe Eagle Stop — c-store
- Cenex — c-store
- Casey's — c-store
- Investors Community Bank — financial
Local facts that shape your coverage
- Chillicothe had a population of 9,107 at the 2020 Census, down 4.3% from 9,515 in 2010. — Stable-to-slightly-declining small town means a steady, mature book of home/auto clients rather than new-construction churn.
- The Grand River flows about one mile south of the city and the Thompson River confluence is roughly three miles southwest. — Properties and farms near these waterways drive demand for flood insurance and dwelling coverage outside the standard homeowners policy.
- In April 2017 the Grand River at Chillicothe rose to roughly 35 ft against a 24 ft flood stage — about 14 ft above normal — leaving parts of town underwater. — A documented major-flood event underscores that NFIP/private flood and business-interruption coverage are real needs, not theoretical, for riverside homes and commercial sites.
- The USGS operates a long-running stream gauge (06899680) on the Grand River at Chillicothe, where flood stage is 24 ft and major flooding runs above 35 ft. — Confirms a monitored, flood-prone river corridor — useful for siting flood-zone questions and justifying flood quotes near the floodplain.
- Largest employers include the Missouri Dept. of Corrections (~600), Grand River Health System (~280), Sonoco (~165), Donaldson Co. (~120), Midwest Quality Gloves (~100) and Citizens Bank & Trust (~100), with manufacturing the biggest private-sector concentration. — A manufacturing/industrial base means strong commercial demand for workers' compensation, general liability, and commercial property/auto coverage.
- Chillicothe had 3,904 housing units in 2020, of which 13.5% were vacant, and single-person households made up 37.4% of the 3,377 occupied households. — A high single-person and vacant-unit share points to renters and non-owner-occupied/landlord properties — renters and dwelling-fire (landlord) policies are a fit.
Local figures compiled from public sources: en.wikipedia.org · census.gov · townfolio.co · kshb.com · waterdata.usgs.gov · chillicothenews.com. 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.
Chillicothe, MO insurance — common questions
How much does insurance cost in Chillicothe, MO?
Rates in Chillicothe and Livingston 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 Chillicothe?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Chillicothe and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Chillicothe 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.