Published July 20, 2026 · 40 years in trucking & the trades
What we cover in Sunrise Beach
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Sunrise Beach choose a local agent
When you're in Sunrise Beach, Camden 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 Sunrise Beach: the local picture
Living here in Sunrise Beach, nestled by the beautiful Lake of the Ozarks, you learn pretty quick that our insurance needs are a bit different. With so many lakefront properties, many serving as vacation or second homes, homeowners insurance isn't just about protecting your primary residence. You've got to consider specialized coverage for those times the home might be vacant, and if you're renting it out, landlord policies become essential. The mix of construction types – from older, renovated places to newer builds, and even some manufactured homes – means replacement cost coverage needs to be carefully assessed. And let's be honest, we all know the lake can get wild. Watercraft insurance is a must-have for boats, jetskis, and pontoons, protecting against accidents on the water that's right outside our doors.
Our weather here in central Missouri, particularly around Route 5, keeps us on our toes. Thunderstorms, tornadoes, and even excessive heat are common, meaning robust wind and hail coverage is non-negotiable for homes and businesses. Just look at the warnings from the National Weather Service – they're a regular occurrence. And with the Lake of the Ozarks prone to flooding from heavy rains, as First Street Foundation has highlighted, flood insurance isn't just a recommendation; it's critical. Standard homeowners policies won't cover that rising water, and with so many properties close to the water, it's a risk you can't afford to ignore.
Beyond property, our community thrives on tourism, and our local businesses like Bear Bottom Restaurant and Midway Rental, along with employers like the Camdenton R-III School District, Sunrise Beach Fire Protection District, and Lake Regional Health System, all have unique needs. Business owners need robust general liability, property, and potentially commercial auto insurance for their operations. For individuals working at these places, or for the plumbers and HVAC folks from Quality Plumbing or Baker A/C & Heating, life and disability insurance are key to protecting their families and incomes. It's all about having coverage that fits our specific way of life here in Sunrise Beach.
Population: 431 (2020)
Housing in Sunrise Beach
The housing stock in Sunrise Beach prominently features lakefront properties, suggesting a prevalence of vacation and second homes. (Source: https://www.zillow.com/mo/lakefront_att/, https://www.lakefrontliving.com/propinfo/549-forestridge-lane-sunrise-beach-mo-llid-220397)
Major local employers & who's hiring
- Camdenton R-III School District — Education hiring
- Sunrise Beach Fire Protection District — Public Safety/Emergency Services
- Lake Regional Health System — Healthcare hiring
Local Sunrise Beach businesses
A few businesses that call Sunrise Beach home — independent of our agency.
- Quality Plumbing — Plumbing, HVAC
- ASAP Plumbing & Rooter — Plumbing
- Baker A/C & Heating — HVAC
- Summit Heating and Cooling — HVAC
- Honest Abe's Home Services — HVAC, Plumbing, Septic, Electric
- Landmark Lawncare — Lawn Care, Landscaping
- David Hancock Enterprises LLC — Excavation
- Bear Bottom Restaurant — Restaurant
- Midway Rental — Small Engine Repair (Auto Shop)
Local landmarks & geography
- Lake of the Ozarks — Major body of water impacting flood risk for properties along the shoreline, affects property values (especially lakefront), and can increase wind exposure.
- Lake of the Ozarks State Park — Large state park located near Sunrise Beach, potentially affecting property values of adjacent areas and contributing to natural windbreaks or open exposure depending on proximity.
- Missouri Route 5 — Major state highway serving the area, impacts accessibility and potentially noise levels for nearby properties. Proximity to major roads can influence vehicle impact risk and property value.
Local facts that shape your coverage
- Sunrise Beach, MO, is subject to severe weather warnings and advisories, which can include thunderstorms, tornadoes, flash floods, and excessive heat. — High
- The First Street Foundation provides high-resolution flood risk information for properties within the 64075 ZIP code, which encompasses Sunrise Beach, MO. — High
- Heavy rains and subsequent flooding are known to impact the Lake of the Ozarks region, including Sunrise Beach, leading to road closures and other hazards. — High
- Missouri, the state where Sunrise Beach is located, is a region where hail events occur, with HailTrace providing maps for such occurrences across the state. — Medium
Local figures compiled from public sources: mapcarta.com · localconditions.com · firststreet.org · lakeexpo.com · hailtrace.com · indeed.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.
Sunrise Beach, MO insurance — common questions
How much does insurance cost in Sunrise Beach, MO?
Rates in Sunrise Beach and Camden 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 Sunrise Beach?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Sunrise Beach and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Sunrise Beach 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.