Published June 30, 2026 · 40 years in trucking & the trades
What we cover in Grant
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Grant choose a local agent
When you're in Grant, Perkins County, you get a real person who knows NE — 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 Grant: the local picture
Grant sits on Nebraska's open High Plains where severe thunderstorms drive the main property risk — a 2017 EF0 tornado and ping-pong-size hail hit the Grant area, so homeowners and auto buyers here need solid wind/hail roof and comprehensive coverage far more than flood protection. Because agriculture covers over 95% of Perkins County (corn, wheat, cattle), most commercial exposure is farm and ranch operations: farm property, equipment, livestock, ag-trucking auto, and workers' comp. With about 1,197 residents and roughly 79% owner-occupancy countywide, this is largely an owner-occupied small-town market where homeowners, farm, and personal auto policies are the core lines.
Population: 1,197 (2020)
Major local employers & who's hiring
- Aurora Cooperative — ag-commercial
- Midwest Electric Cooperative Corporation — office
Local Grant businesses
A few businesses that call Grant home — independent of our agency.
- Aurora Cooperative — ag-commercial
- Midwest Electric Cooperative Corporation — ag-commercial
- Phillips 66 — c-store
- Sinclair Gas Station — c-store
- A-Stop — c-store
- Sandhills State Bank — financial
- Pinnacle Bank — financial
- Adams Bank & Trust — financial
- Ride Rite Garage LLC — main-street
- Mar's Service Center — main-street
- Quality Diesel Inc — main-street
- Agricultural Sales and Services — main-street
Local facts that shape your coverage
- Grant had a population of 1,197 at the 2020 census, up 2.7% from 2010 (1,165), and is the county seat and only city in Perkins County. — Small, stable owner-occupied town market — core lines are homeowners, farm, and personal auto rather than high-volume renters/landlord business.
- In Perkins County the median property value was about $157,200 in 2024 and 78.7% of homes were owner-occupied (vs. 65.2% nationally). — High owner-occupancy and modest home values shape homeowners dwelling limits and point to a low-rental, owner-heavy book.
- Over 95% of land in Perkins County is used for agriculture, primarily corn, wheat, and cattle production. — Dominant farm/ranch economy means strong demand for farm property, equipment, livestock, ag-auto/trucking, and workers' comp coverage.
- On May 16, 2017 a brief EF0 tornado touched down in Perkins County and large hail up to ping-pong-ball size was reported in and around Grant; no damage occurred from the tornado itself. — Documents the real local hail/wind peril that drives roof and vehicle comprehensive claims for home and auto buyers.
- From 1980-2024 Nebraska had 66 billion-dollar weather disasters, of which 44 were severe storms and only 5 were flooding events. — Confirms wind/hail/tornado — not flood — is the dominant catastrophe exposure, so emphasis belongs on solid roof, hail, and comprehensive auto coverage.
Local figures compiled from public sources: en.wikipedia.org · en.wikipedia.org · datausa.io · perkinscounty.ne.gov · weather.gov · ncei.noaa.gov. Estimates — verify current details with the original source.
Insurance requirements in Nebraska
Nebraska is an at-fault state and requires liability plus uninsured/underinsured-motorist coverage. With a strong agricultural base and frequent severe storms, farm, crop, and hail-aware home coverage matter across the state. As an independent agency we shop multiple carriers to fit Nebraska's requirements and exposures. Verify current state minimums with the Nebraska Department of Insurance.
Grant, NE insurance — common questions
How much does insurance cost in Grant, NE?
Rates in Grant and Perkins 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 Grant?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Grant and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Grant 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.