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Bell County

Driving in Bell County

Bell County's highways are home to an estimated 297,122 private and commercial automobiles.

More than 80% of adult drivers commute alone to work, with about 53,000 of them commuting for 30 minutes or more.

With an estimated 20% of Texans driving without insurance, Bell County alone might have almost 60,000 uninsured vehicles.

Auto Insurance Analysis:

  1. In Bell County, there are almost 300 thousand registered automobiles that require insurance. The intended purpose of the vehicle defines the sort of auto insurance it requires. Private Auto, Commercial Auto, Commercial Inland Marine, or some other types of vehicle insurance. Liability coverage is required for every vehicle on the road.

  2. Uninsured Driver Coverage is becoming increasingly critical in Texas, where 1 out of every 5 drivers is uninsured. Uninsured and underinsured motorist coverage costs Texans over $900 million per year.

  3. Driving without insurance is risky because the road is an exposed area to accidents and incidents. If you are caught driving without insurance, you will be fined, your vehicle will most likely be seized, and your license may be suspended. There will be even more problems if you cause an accident while driving without insurance coverage,

For consultation and advice about auto insurance in Bell County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Bell County Housing

Unlike the majority of Texas, where homes are overwhelmingly owner-occupied, in Bell County's approximately 151,137 housing units are split among homeowners and renters almost equally. Approximately 54% of housing is owner-occupied, while 46% (close to 70,000) is for rent, which is the highest ratio of renters among the surrounding counties. The neighboring counties are mostly made up of owner-occupied dwellings. Lampasas County leads the way with nearly 77% of homeowners living in their homes.

In Bell County, about 14% of housing is in poor condition, and in about 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. In Bell County, insurance is required for over 150 thousand dwelling units. At the very least, the owners of these homes should get Homeowners or Condo Insurance, to protect their investment.

  2. Landlord Insurance is strongly recommended for rental properties. With this type of insurance, the landlord is protected from liability claims as well as the loss of rental income.

  3. Tenants can also protect themselves by purchasing Renters Insurance, which is far less expensive than homeowner's insurance. Property theft/loss and vandalism, smoke, sewer backup damage, water, and fire are all covered by renters’ insurance. It also protects a renter from liability if someone is injured on the premises.

Discuss your Home insurance needs and options with a state-licensed Property & Casualty (P&C) insurance professional. A Texas P&C insurance agent analyzes your needs, researches viable options of coverage, explains the subtleties between the possible options, and assists you with the application process. The agent usually continues being the client’s preferred link to the insurer, for the duration of the policy.

Bell County Health

Unlike the majority of Texas counties, a large portion of the Bell County population is insured. In Bell County, 83% of residents have health insurance, while roughly 17% of those under the age of 65 are uninsured. Falls County and Burnet County have the highest uninsured percentage (21%) among surrounding counties, followed by Milam County and Lampasas County, at around 19%. Williamson County has the lowest uninsured rate in the area, at just over 12%.

In 2022, over 53,000 Bell County residents reported fair or poor health,

24% of the the county’s population leads a non-physically active lifestyle, and more than 33% of the county’s residents (approximately 90,000) are considered obese (with BMI of 30 or more).

At least 5 health insurers in Bell County offer affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health Insurance is the most important insurance coverage for anyone, and roughly 7,000 non-seniors, including children, in Bell County do not have it.

  2. Texas permits a variety of health insurance plans, making it simple for people to obtain coverage. Marketplace ACA health insurance, Short-term insurance, Hospital Indemnity, Accident & Health, and other types of health insurance are available.

  3. If low-income consumers are unable to purchase health insurance due to the high cost, they should apply for government subsidies, which can drastically reduce the cost of insurance.

  4. If there are no pre-existing conditions, short-term health insurance, and the associated supplemental plans may offer additional savings. (Some short-term health insurance plans in Texas may cover select pre-existing conditions after a year or more of continuous coverage)

Discuss your health insurance needs with a state-licensed Texas health insurance professional who has access to a variety of health insurance options available in Bell County.

Bell County Mortality and the End-of-Life Statistics

Bell County residents have an average life expectancy of 78.2 years, which is lower than the Texas average of 79.2 years. In terms of neighboring counties, Williamson County has the highest life expectancy at 82.1 years, while Milam County has the lowest at 76.7 years.

As of 2022, there were approximately 42,000 seniors (65 years and older) residing in Bell County.

Life Insurance Facts:

  1. The age of the insured at the start of the policy determines the premiums. The younger you are when you buy it, the more money you'll save on premiums over the policy's duration.

  2. 2021 statistics showed that 48% of Americans did not have life insurance.

Motor Vehicle Fatalities in Bell County

Motor vehicle fatalities are estimated to occur at a rate of 14.56 per 100,000 vehicles on the roads of Bell County. In 2020, Texas Department of Transportation (TxDoT) reported over an average of 43 fatal crashes every year. Alcohol has been recognized as the leading cause of fatal crashes, accounting for roughly 29% of all traffic fatalities.

Final Expenses Bell County Funeral Home Cost

The average funeral expense in Bell County is roughly $6,500. This is higher than the typical Texas funeral expense, which is roughly $6,200. Williamson County has the highest average funeral home cost of $7,200 among the neighbors, while Milam County has the lowest average funeral home cost of $5,000.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in funds, the cost of a simple burial can become a problem, putting a financial strain on family and friends for over 20 thousand seniors in the county. Rather than grieving, the family must concentrate on determining how to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Aside from the costs of burial, the departed frequently leave behind taxes and other debts for the family to deal with.

  3. The most often used life insurance policies to cover "final expenses" up to $50,000 are term Life Insurance and Final Expense Insurance.

  4. Variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance, are the most often utilized life insurance products to leave money to the family.

For a consultation and advice about life insurance in Bell County, contact a life insurance agent licensed in the state of Texas