Published June 23, 2026 · 40 years in trucking & the trades
What we cover in Ellisville
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Ellisville choose a local agent
When you're in Ellisville, St. Louis 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 Ellisville: the local picture
Ellisville's location in 'Tornado Alley' and its exposure to frequent hail events necessitate robust property and auto insurance coverage for wind and hail damage. Additionally, the broader regional finding of underestimated flood risks suggests a need for residents and businesses to carefully assess their flood insurance needs, potentially beyond standard homeowner policies. The presence of a Superfund site also introduces specific environmental considerations for commercial insurance.
Population: 9985 (2020)
Major local employers & who's hiring
- National Elevator Industry Educational Program — education
- National Ethanol Conference — services
- St. Louis Hot Tub Warehouse — shopping
- St. Louis Cabinet Warehouse — furniture store
Local Ellisville businesses
A few businesses that call Ellisville home — independent of our agency.
- National Elevator Industry Educational Program — ag-commercial
- National Ethanol Conference — manufacturing
- St. Louis Hot Tub Warehouse — ag-commercial
- St. Louis Cabinet Warehouse — ag-commercial
- QuikTrip — c-store
- BP — c-store
- Phillips 66 — c-store
- Mobil — c-store
- Bank of Franklin County - BFC Ellisville — financial
- First Bank — financial
- Cardtronics ATM — financial
- CDReload by Crypto Dispensers - CVS Pharmacy — financial
Local facts that shape your coverage
- As of the 2020 Census, the population of Ellisville, MO was 9,985. — Population density and size are key factors for insurance market analysis and catastrophic event modeling.
- Ellisville is located within the St. Louis metropolitan area and is considered a western outer-ring suburb of St. Louis. — Its suburban nature implies a predominantly residential property base, influencing homeowner and auto insurance needs. Proximity to a major city can impact economic stability and infrastructure.
- The nearby city of Ballwin, MO (a close neighbor to Ellisville) experienced 30 on-the-ground hail reports and 81 Doppler radar detections of hail in the past 12 months. — Indicates a significant risk of property damage from hail, directly impacting property insurance claims and underwriting for roof damage, auto damage, etc.
- Missouri is located within 'Tornado Alley,' a region prone to frequent and severe tornadoes and thunderstorms. — Highlights a high risk for catastrophic wind damage to structures and vehicles, crucial for property and auto insurance risk assessment.
- A study found that about twice as many properties in Missouri and Illinois are at risk of flood damage than federal agencies estimate. — Suggests a potentially higher-than-perceived flood risk for properties in the area, impacting flood insurance needs and policy pricing.
- Ellisville is home to an EPA Superfund site. — Indicates potential environmental liabilities and risks, which could be relevant for commercial property insurance, environmental liability insurance, and property value assessments.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · en.wikipedia.org · stlpr.org · msc.fema.gov. 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.
Ellisville, MO insurance — common questions
How much does insurance cost in Ellisville, MO?
Rates in Ellisville and St. Louis 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 Ellisville?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Ellisville and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Ellisville 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.