Published July 16, 2026 · 40 years in trucking & the trades
What we cover in Laclede
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Laclede choose a local agent
When you're in Laclede, Linn 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 Laclede: the local picture
Living here in Laclede, we all know our homes are more than just a place to hang our hats – they're a big part of our lives. With nearly 78% of us owning our homes and a median property value around $62,500, many of our houses are older, often frame construction, and we see some manufactured homes too. This means homeowners insurance isn't a 'one-size-fits-all' deal. You need solid dwelling coverage, ideally replacement cost, to make sure you can actually rebuild if something happens, especially with the unique character of our housing stock, including historic places like the Boyhood Home of General John J. Pershing.
Then there's the weather. Anyone who's been through a spring or summer here knows that Laclede sees its fair share of severe storms, including tornadoes and hail. Having robust wind and hail coverage on both your home and auto policies isn't just a good idea; it's absolutely essential. We also know many of us commute for work, so reliable auto insurance is critical to protect us on those daily drives. For our neighbors in the agricultural sector, comprehensive farm insurance covering property, equipment, and liability is the backbone of their operations in this Agri-Ready county.
While specific large employers are few, any local businesses, from the small shops to those supporting our agricultural economy, need to be thinking about commercial property and general liability coverage. Whether it's protecting a storefront from a storm or covering unforeseen accidents, having the right commercial policies in place is just smart business in our tight-knit community.
Population: 305 (2020)
Housing in Laclede
The housing stock in Laclede is characterized by a high homeownership rate of 77.7% and a median property value of $62,500 as of 2024. Given these figures and the rural nature of the area, the housing is typically older, predominantly frame construction, and may include some manufactured homes. The presence of the Boyhood Home of General John J. Pershing, a National Historic Landmark, indicates some historically significant and older residences. The low median property value suggests that replacement costs for much of the housing stock would be lower due to age, smaller size, and more basic construction materials compared to newer or higher-value homes. (Sources: https://datausa.io/profile/geo/laclede-mo/, https://en.wikipedia.org/wiki/List_of_historic_houses_in_Missouri)
Major local employers & who's hiring
- Laclede Electric Cooperative — Electric Utility / Energy Actively hiring
- Laclede County R-1 School District — Education Actively hiring
- Lebanon Solar Farm (MO) — Renewable Energy / Solar Power Generation
Local Laclede businesses
A few businesses that call Laclede home — independent of our agency.
- Skyline Insulation — Insulation Contractor
Local landmarks & geography
- Pershing State Park — Features a wet prairie, meandering stream, and oxbow sloughs, indicating potential flood risk for adjacent properties and contributing to ecological value which can influence property values.
Local facts that shape your coverage
- The population of Laclede, Missouri was 305 as of the 2020 census. — General demographic information for the town.
- Laclede, MO has historical tornado activity, with specific insights and patterns available from regional tornado data. — Direct hazard information for severe weather.
- Doppler radar has detected hail at or near Laclede, MO on 55 occasions, including one instance in the past year, and the area has been under severe weather warnings 4 times during the past 12 months. — Direct hazard information for severe weather, specifically hail.
- As of the 2020 census, the population of Laclede, MO was 305. — Provides demographic context for the community size and insurance market.
- Laclede, MO has a homeownership rate of 77.7% and a median property value of $62,500. — Indicates a high proportion of homeowners needing insurance and suggests the type and value of homes in the area, influencing coverage discussions.
Local figures compiled from public sources: en.wikipedia.org · tornadopath.com · interactivehailmaps.com · datausa.io · cleanview.co · tripadvisor.co.nz. 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.
Laclede, MO insurance — common questions
How much does insurance cost in Laclede, MO?
Rates in Laclede and Linn 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 Laclede?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Laclede and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Laclede 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.