Published June 26, 2026 · 40 years in trucking & the trades
What we cover in Tipton
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Tipton choose a local agent
When you're in Tipton, Moniteau 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 Tipton: the local picture
Population: 2920 (2020)
Housing in Tipton
The housing stock in Tipton, MO includes manufactured/modular homes (Source: https://impresamodular.com/state/missouri/tipton/).
Major local employers & who's hiring
- Tipton R-VI School District — Education hiring
- IU Health Tipton Hospital — Healthcare hiring
- MFA Incorporated — Agriculture hiring
- Co-Mo Connect — Telecommunications/Utilities hiring
- Cargill — Agriculture/Food Processing hiring
- MFA Agri Services — services
- MFA Oil Petro-Card 24 — gas station
Local Tipton businesses
A few businesses that call Tipton home — independent of our agency.
- Co-Mo Electric Cooperative Inc — Electrical Contractors
- 5 & 50 Drive-In — Restaurants
- Dutch Bakery Bulk Food Store — Restaurants
- G&R Construction, Inc. — Roofing Contractors
- MFA Agri Services — ag-commercial
- MFA Oil Petro-Card 24 — ag-commercial
- Cenex — c-store
- Commerce Bank — financial
- LibertyX Bitcoin ATM — financial
- Commerce Bank ATM — financial
- CDReload at Casey's — financial
- Tipton Latham Bank — financial
Local landmarks & geography
- Moniteau Creek — A stream in Moniteau County, just west of Tipton, contributing to potential flood risk for properties in its floodplain. Flood maps for Moniteau County indicate areas with flood hazards.
- Maclay Mansion — A historic building in Tipton, added to the National Register of Historic Places in 1979. Its historic designation can affect property values and trigger specific preservation requirements for coverage.
- Katy Trail State Park — The longest developed rail-trail in the country, with access points near Tipton via local trails. Its proximity provides recreational value and can influence nearby property desirability, but also potentially increases exposure to natural elements for properties bordering the trail.
- Tipton Park Lake — A local park with a lake within Tipton, offering recreational amenities. Properties adjacent or near the lake may have increased value due to amenity access, but also potential risks associated with water bodies (e.g., recreational liability, minor flood risk from overflow).
- US Route 50 — A major east-west US Highway that passes directly through Tipton, Missouri. Proximity to a major highway impacts property values, accessibility, and potential for traffic-related incidents or noise.
- Missouri Route 5 — A state highway that intersects with US Route 50 in Tipton, Missouri, as indicated by local businesses like the '5 and 50 Drive-In'. This intersection contributes to traffic flow, accessibility, and potential for accidents, affecting properties in the vicinity.
- University — None found within Tipton, MO.
- Major Plant — No specific major manufacturing plant or industrial facility identified as a significant local landmark or major employer through web searches for Tipton, MO.
Local facts that shape your coverage
- Moniteau County, where Tipton is located, has a history of tornado events, with data available through January 1, 2013, showing past occurrences, including one tornado that moved through parts of the county. — Directly relevant to severe weather risk in Tipton, MO.
- More than 280,000 properties in Missouri are estimated to be at risk of flood damage, a figure nearly double the estimates by the Federal Emergency Management Agency, according to a study by the First Street Foundation. — Provides broader context for flood risk in Missouri, relevant to Tipton.
- Tipton, Missouri is part of the Jefferson City metropolitan area and had a population of 2,920 as of the 2020 census. — General demographic information about the town.
Local figures compiled from public sources: grokipedia.com · weather.gov · stlpr.org · en.wikipedia.org · glassdoor.com · careers.iuhealth.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.
Tipton, MO insurance — common questions
How much does insurance cost in Tipton, MO?
Rates in Tipton and Moniteau 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 Tipton?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Tipton and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Tipton 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.