Published July 15, 2026 · 40 years in trucking & the trades
What we cover in Clarence
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Clarence choose a local agent
When you're in Clarence, Shelby 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 Clarence: the local picture
Living here in Clarence, we know firsthand that the weather isn't always gentle. With 7 on-the-ground hail reports and 13 severe weather warnings just in the past year, robust property coverage for homes and vehicles isn't just a suggestion—it's a necessity. Homeowners need to scrutinize their roof and siding coverage, while auto owners should ensure they're protected against hail damage. Our local businesses, from the Clarence R-IV School District and Clarence Medical Clinic to Barry's Elevator and Dinges Fire Company, all rely on their buildings and equipment. Standard commercial property policies need to be reviewed to ensure they adequately cover hail, wind, and other storm-related damage that can hit us frequently.
Beyond the sky, we also need to consider what happens on the ground. While specific, granular flood maps for Clarence itself might be tricky to find, being in Shelby County means we absolutely have a flood risk, especially with our local drainage and runoff patterns. It's a critical reminder that standard home and business policies do NOT cover flood damage. Securing a separate flood insurance policy is a smart move for any property owner here, residential or commercial, to protect against potential water damage that can wipe out everything.
Our local economy thrives on our community, and the employers like Golden Grain Bins & Steel Buildings, Homeland Roofing LLC, and All Service Electrical Contractors are the backbone. For these businesses, and others like NEMO Chiropractic LLC and Summit Heating and Cooling, comprehensive commercial insurance is vital. This includes general liability to protect against everyday risks, workers' compensation to cover employees, and commercial auto for those who have vehicles on the road. Even the Clarence Care Center and Clarence Missouri Kitchen & Bath Remodeling Experts need tailored coverage to ensure they're protected against the unique risks of their operations.
Population: 894 ((implied current))
Major local employers & who's hiring
- Clarence R-IV School District — Education
- Clarence Medical Clinic — Healthcare
- Clarence Care Center — Healthcare (Nursing Home/Long-Term Care)
- Barry's Elevator — Agriculture (Wholesale Grain Dealers)
- Dinges Fire Company — Manufacturing/Sales (Fire & Safety Equipment) hiring
- Golden Grain Bins & Steel Buildings (GMLS Industries) — Manufacturing (Agricultural Equipment)
Local Clarence businesses
A few businesses that call Clarence home — independent of our agency.
- Homeland Roofing LLC — Roofing Contractor
- NEMO Chiropractic LLC — Chiropractor
- All Service Electrical Contractors — Electrical Contractor
- Clarence Missouri Kitchen & Bath Remodeling Experts — General Contractor
- Summit Heating and Cooling — HVAC Contractor
Local landmarks & geography
- U.S. Route 36 — Major federal highway providing primary access to Clarence, MO. Affects property value due to accessibility and potential for increased traffic-related risks.
- Missouri Route 151 — State highway providing access to Clarence, MO, intersecting with U.S. Route 36. Affects property value due to accessibility and potential for increased traffic-related risks.
- Local Drainage/Runoff — While no specific named river, lake, or major creek was identified directly within Clarence, MO, general topography and rainfall contribute to localized flood risk from drainage and runoff, common in any populated area.
Local facts that shape your coverage
- The Clarence, MO area has had 7 reports of on-the-ground hail by trained spotters and Doppler radar has detected hail on 61 occasions, including 6 times in the past year. — High
- Clarence, MO has been under severe weather warnings 13 times during the past 12 months. — High
- Flood maps exist for Shelby County, Missouri, where Clarence is located, providing information on flood zones, hazards, and insurance rates. — Medium
- As of the 2010 census, Clarence, MO had a population of 813 people. — Provides context on the size of the community and potential number of insured households/businesses.
Local figures compiled from public sources: niche.com · interactivehailmaps.com · flood-maps.com · en.wikipedia.org · clarence-mo.helpyouachieve.com · health.usnews.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.
Clarence, MO insurance — common questions
How much does insurance cost in Clarence, MO?
Rates in Clarence and Shelby 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 Clarence?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Clarence and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Clarence 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.