Published July 27, 2026 · 40 years in trucking & the trades
What we cover in Tina
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Tina choose a local agent
When you're in Tina, Carroll 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 Tina: the local picture
Living here in Tina, you know our community is built on agriculture and the hard work of local businesses. For our neighbors running places like Farmers Cooperative, Tina Livestock Market LLC, or even the Crowe Cafe, it's not just about standard business insurance. We're talking specialized farm policies that cover equipment, crops, and livestock, alongside general liability and property insurance to protect their operations. And for Crowley Plumbing and Heating Inc, commercial auto and workers' comp are just as vital as their general liability, ensuring they're covered whether they're on a job or at their shop. When it comes to our homes, most of us live in single-unit detached houses, and mobile homes are also a significant part of our housing stock. With an average home value around $141,937 and many older frame homes, making sure your homeowner's policy has adequate replacement cost coverage is crucial. We've seen our share of severe weather, with 33 warnings in the last year and hail detected 38 times, including 5 recently. That means robust roof coverage and comprehensive auto insurance for hail damage aren't just good ideas; they're necessities to protect what we've worked for. And let's not forget the Grand River nearby and the flood risk many properties in Tina face. Standard homeowner's policies don't cover floods, so looking into a separate flood insurance policy is a smart move. Resources like First Street Foundation can help you understand your specific property's risk, which is important because, as FEMA reminds us, every area has some level of flood exposure. It's about protecting our families and our futures here in Tina.
Population: 139 (2020)
Housing in Tina
The housing stock in Tina, reflective of Carroll County, largely consists of 1-unit detached homes (80.5%) and a notable percentage of mobile homes (10.6%). The average home value in Tina was reported as $141,937. There is no indication of historic districts or new subdivisions in Tina. Replacement costs and roof considerations would likely align with older, predominantly frame or mixed-material single-family homes. (Source: https://www.infoplease.com/us/census/missouri/carroll-county/housing-statistics, https://www.zillow.com/home-values/41243/tina-mo/)
Major local employers & who's hiring
- Tina-Avalon R-II School District — Education hiring
- Farmers Cooperative — Agriculture
- Tina Livestock Market LLC — Agriculture/Livestock
- Crowe Cafe — Food Service
Local Tina businesses
A few businesses that call Tina home — independent of our agency.
- Crowley Plumbing and Heating Inc — Plumbing, HVAC
- Tina Livestock Market LLC — Farms
Local landmarks & geography
- Grand River — Proximity to the Grand River valley indicates a potential for flood risk for properties located within the floodplain.
Local facts that shape your coverage
- The population of Tina, Missouri, was 139 according to the 2020 census. — General demographic information.
- The Tina, MO area has been under severe weather warnings 33 times during the past 12 months. — Indicates frequent exposure to severe weather alerts.
- Doppler radar has detected hail at or near Tina, MO on 38 occasions, including 5 occasions during the past year. — Highlights the presence of hail events in the vicinity.
- First Street Foundation provides high-resolution, interactive flood maps and climate risk reports for properties in Tina, MO. — Direct resource for assessing specific flood risk.
- As of recent estimates, the village of Tina, MO, has a population of 177 residents. — Population size can influence local insurance markets, community risk profiles, and the availability of certain services.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · firststreet.org · censusreporter.org · tinaavalon.k12.mo.us · us-business.info. 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.
Tina, MO insurance — common questions
How much does insurance cost in Tina, MO?
Rates in Tina and Carroll 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 Tina?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Tina and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Tina 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.