Published June 11, 2026 · 40 years in trucking & the trades
What we cover in Overland
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Overland choose a local agent
When you're in Overland, 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 Overland: the local picture
Overland, MO presents a mixed insurance landscape. While a stable, service-oriented economy supports general insurance needs, the significant risk of both hail and flooding necessitates robust property and flood insurance offerings. Insurers should be prepared for potential claims related to severe weather events.
Population: 15699 (2020)
Major local employers & who's hiring
- Sugarcoat Home Warehouse — antique shop
- Total Warehouse Solutions — warehouse
- Chef's Warehouse — kitchen store
Local Overland businesses
A few businesses that call Overland home — independent of our agency.
- Sugarcoat Home Warehouse — ag-commercial
- Total Warehouse Solutions — ag-commercial
- Chef's Warehouse — ag-commercial
- QuikTrip — c-store
- Mobil — c-store
- Casey's — c-store
- Conoco — c-store
- Cardtronics ATM — financial
- U.S. Bank Branch — financial
- CoinFlip Bitcoin ATM - Woodson Grocery & Liquor (St Louis) — financial
- Premium Automotive — main-street
- Caliber Collision — main-street
Local facts that shape your coverage
- The population of Overland, MO was 15,699 in 2020. — Demographic data for underwriting and market analysis.
- The median household income in Overland, MO was $61,773 in 2022. — Economic indicator for assessing property values and consumer purchasing power for insurance products.
- The largest employment sectors in Overland, MO are Retail Trade, Health Care & Social Assistance, and Manufacturing. — Understanding the local business landscape for commercial insurance opportunities and economic stability.
- Doppler radar has detected hail at or near Overland, MO on 97 occasions, indicating a notable frequency of hail events. — High relevance for property insurance due to potential for hail damage claims.
- 23% of properties in Overland, MO are at risk of severe flooding over the next 30 years. — Crucial for flood insurance considerations and risk assessment for property policies.
Local figures compiled from public sources: en.wikipedia.org · datausa.io · interactivehailmaps.com · firststreet.org. 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.
Overland, MO insurance — common questions
How much does insurance cost in Overland, MO?
Rates in Overland 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 Overland?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Overland and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Overland 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.