Published June 21, 2026 · 40 years in trucking & the trades
What we cover in Wellsville
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Wellsville choose a local agent
When you're in Wellsville, Montgomery 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 Wellsville: the local picture
Wellsville is a small, high-ownership rural town (998 residents in 2020, ~72% homeowners) in Montgomery County, so replacement-cost accuracy and appropriate homeowners endorsements matter. Manufacturing and construction lead local employment, driving real demand for workers-comp, contractor liability, and commercial coverage. Documented tornado/high-wind exposure (an 85-mph EF-0 hit just outside town in December 2021) plus creek drainages tied to the Cuivre and Loutre River systems make wind/hail limits and a FEMA flood-zone check worth reviewing for both in-town homes and surrounding farm parcels.
Population: 998 (2020)
Major local employers & who's hiring
- Dairy Mart — restaurant
Local Wellsville businesses
A few businesses that call Wellsville home — independent of our agency.
- Casey's — c-store
- Dollar General — c-store
- American Bank of Freedom — financial
- The Drinking Horn Bar&Grill — main-street
- Mango Cabinetry LLC — main-street
- United States Postal Service — main-street
- Kissing Cow — main-street
- Wellsville Public Library — main-street
- Shelter Insurance - Maria Noah — main-street
- New York Life — main-street
Local facts that shape your coverage
- Wellsville had a population of 998 at the 2020 Census, down from 1,217 in 2010 — a small, shrinking rural town in Montgomery County. — A stable-to-declining small population means a tight-knit personal-lines book (home, auto, farm) where an independent local agent competes on relationships, not price alone.
- The largest employment sectors are Manufacturing (74 workers), Health Care & Social Assistance (66), and Construction (54), out of a total workforce of about 473. — Manufacturing and construction as top employers point to demand for workers-comp, commercial general liability, tools/equipment and contractor's coverage.
- The median property value was about $84,400 with a 72.4% homeownership rate, well above the national average of roughly 65%. — High ownership drives need for homeowners policies with adequate replacement cost and appropriate endorsements.
- An EF-0 tornado touched down just northwest of Wellsville east of Highway 19 on December 10, 2021, with peak winds near 85 mph over a 4.3-mile path, breaking power poles and damaging trees and crops. — Documented tornado and straight-line wind risk underscores the importance of wind/hail coverage and reviewing roof and outbuilding (barn/shed) limits on home and farm policies.
- Wellsville drains to White Oak Creek and Little Coon Creek (Cuivre River watershed to the east) and to Coal Branch feeding the Loutre/Missouri River system to the southwest. — Nearby creek and river drainages create localized flood exposure that standard homeowners policies exclude — a reason to check FEMA flood zones and offer NFIP or private flood coverage for lower-lying and rural acreage parcels.
Local figures compiled from public sources: en.wikipedia.org · datausa.io · weather.gov. 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.
Wellsville, MO insurance — common questions
How much does insurance cost in Wellsville, MO?
Rates in Wellsville and Montgomery 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 Wellsville?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Wellsville and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Wellsville 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.