Published July 1, 2026 · 40 years in trucking & the trades
What we cover in Warsaw
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Warsaw choose a local agent
When you're in Warsaw, Benton 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 Warsaw: the local picture
Living here in Warsaw, whether you're near Truman Lake or closer to Historic Downtown, means understanding the unique insurance needs of our area. With most folks owning their homes, often in a sparse suburban setting that includes manufactured homes, robust property coverage is key. Given our history with severe weather, like that F2 tornado back in '54 and the frequent hail events, homeowners insurance isn't just a formality—it's essential. You'll want to review your policy carefully for wind and hail deductibles and ensure your dwelling coverage reflects the true cost to rebuild with local contractors like Robinson Roofing KC or TruBuilt Construction, especially with the median home value around $152,000. Manufactured home owners also need specialized policies to protect their investment against these common weather threats.
Beyond just the wind and hail, our location right on the Osage River and near Truman Lake means flood insurance is a serious consideration, not just an option. Standard homeowners policies don't cover flood damage, and with identified flood zones in Benton County, it's critical to know your risk and secure a separate flood policy. This is particularly important for properties near the water, protecting against the unpredictable nature of our waterways. For our local employers like the Warsaw R-IX School District, Golden Valley Memorial Healthcare, and Walmart, proper commercial insurance, including general liability and workers' compensation, is vital to protect against the risks inherent in their operations and serving our community.
Finally, for all our residents and businesses, liability coverage is paramount. With lake tourism being a big part of our economy, and US Highway 65 & Missouri Route 7 bringing plenty of traffic through, personal and commercial liability limits should be robust. Whether it’s an accident on the lake, a slip and fall at a business, or a car collision, having adequate protection ensures peace of mind for you, your family, and your livelihood in Warsaw.
Population: 2209 (2020)
Housing in Warsaw
The housing stock in Warsaw offers a sparse suburban feel with most residents owning their homes (https://www.niche.com/places-to-live/warsaw-benton-mo/). Manufactured homes are also present in the area (https://www.manufacturedhomes.com/city/Warsaw/Missouri/). Therefore, it is not possible to accurately assess implications for replacement cost/roof based on the provided information.
Major local employers & who's hiring
- Warsaw R-IX School District — Education Actively hiring
- Golden Valley Memorial Healthcare — Healthcare Actively hiring
- Walmart — Retail Actively hiring
- MFA Oil — shopping
Local Warsaw businesses
A few businesses that call Warsaw home — independent of our agency.
- Don's Plumbing and Drain Cleaning — Plumbing
- Pegasus Services — Plumbing, HVAC, Electrical Contractor
- H & C Plumbing & Electrical — Plumbing, Electrical Contractor
- Danny Roellig Backhoe Services — Septic Services, Excavation
- US Quality Construction — Roofing Contractor
- Robinson Roofing KC — Roofing Company
- TruBuilt Construction — Deck, Siding, and Roofing Contractor
- Hensley Roofing — Roofing
- MFA Oil — ag-commercial
- Phillips 66 — c-store
- Murphy USA — c-store
- Sinclair Gas Station — c-store
Local landmarks & geography
- Truman Lake / Harry S. Truman Dam and Reservoir — A major lake and dam system primarily built for flood control, holding back floodwaters from several rivers. Properties near the lake or downstream of the dam may have elevated flood risk, and the lake itself influences property values and recreational business insurance needs.
- Osage River — The Truman Dam is located on the Osage River. Properties along the river are subject to flood risk, especially considering the dam's role in managing river flow.
- Historic Downtown Warsaw — The charming downtown area suggests older buildings, potentially with historical significance, which can impact rebuilding costs, require specialized historical preservation insurance, and influence commercial property values due to tourism and local business activity.
- Harry S Truman State Park — Proximity to the state park can influence surrounding property values, often positively, due to recreational access and natural beauty. It may also introduce specific risks related to park activities or wildlife for adjacent properties.
- US Highway 65 & Missouri Route 7 — These major highways provide critical transportation access to Warsaw. Properties adjacent to or with direct access to these routes may experience higher traffic exposure (affecting commercial liability) and have different property valuations compared to less accessible areas.
Local facts that shape your coverage
- An F2 tornado impacted Benton County, Missouri, on March 24-25, 1954, resulting in four injuries. — High
- Benton County, Missouri, has comprehensive tornado statistics available, including historical data dating back to 1950. — High
- Benton County, MO, receives precipitation, including hail, on approximately 97 days per year. — High
- Flood maps for Benton County, Missouri, provide information on flood zones, flood hazards, and FEMA flood plans for residents. — High
- The population of Warsaw, MO was 2,209 as of the 2020 census. — Population data helps assess the overall size and density of the community for insurance risk profiling.
- The median home value in Warsaw, MO is $152,000. — Median home value is a key factor in determining appropriate dwelling coverage limits for homeowners insurance.
Local figures compiled from public sources: en.wikipedia.org · en.wikipedia.org · tornadopath.com · bestplaces.net · flood-maps.com · niche.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.
Warsaw, MO insurance — common questions
How much does insurance cost in Warsaw, MO?
Rates in Warsaw and Benton 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 Warsaw?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Warsaw and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Warsaw 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.