Published June 29, 2026 · 40 years in trucking & the trades
What we cover in Troy
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Troy choose a local agent
When you're in Troy, Lincoln 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 Troy: the local picture
Troy, MO, as a growing exurb of St. Louis, presents a market with increasing residential insurance needs. The significant history of hail events and identified flood risks underscore the importance of comprehensive property coverage and specialized flood insurance for residents and businesses.
Population: 12686 (2020)
Major local employers & who's hiring
- Cuivre River Electric Cooperative — office
- Service and Supply Cooperative — ag-commercial
- Mustard Seed Rentals and Events — event space
- MFA Oil Propane — shopping
- Ennis implement — ag-commercial
Local Troy businesses
A few businesses that call Troy home — independent of our agency.
- Cuivre River Electric Cooperative — ag-commercial
- Mustard Seed Rentals and Events — ag-commercial
- Blue 2 Seeding — ag-commercial
- MFA Oil Propane — ag-commercial
- Ennis implement — ag-commercial
- Murphy USA — c-store
- Shell — c-store
- Kroger Fuel Center — c-store
- BP — c-store
- Phillips 66 — c-store
- Casey's — c-store
- Phillips — c-store
Local facts that shape your coverage
- As of the 2020 Census, the city of Troy, Missouri, had a population of 12,686. — Population density and growth affect the number of insured properties and potential for new business.
- Troy is an exurb of St. Louis and part of the St. Louis Metropolitan Statistical Area. — This indicates a residential-focused community, with potential for growth in housing and related services, influencing home and auto insurance demand.
- The Troy, MO area has experienced 27 on-the-ground hail reports and 89 Doppler radar detections of hail. — High frequency of hail events indicates increased risk for property damage claims related to roofs, vehicles, and other external structures.
- Properties in Troy, MO have an identified flood risk, with high-resolution interactive flood maps available for assessment. — Identified flood risk highlights the necessity of flood insurance for properties and potential for water damage claims.
Local figures compiled from public sources: en.wikipedia.org · 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.
Troy, MO insurance — common questions
How much does insurance cost in Troy, MO?
Rates in Troy and Lincoln 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 Troy?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Troy and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Troy 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.