The highways in Brewster County are home to an estimated 7,244 private and commercial automobiles. This figure represents around 0.03% of all automobiles registered in the state of Texas.
Almost 70% of adult drivers in Brewster County drive to and from work on their own, with less than half of those trips lasting more than 30 minutes each way.
With an estimated 20% of Texas drivers driving without insurance, it is possible that there are over 1,000 uninsured automobiles in Brewster County alone.
Brewster County has over 7 thousand registered automobiles, all of which require some form of insurance coverage. According to the type of vehicle and its intended purpose, many types of insurance may be necessary, including Comprehensive Auto, Auto Liability, Commercial Auto, Private Auto, Inland Marine, Commercial Transportation, Collision Coverage, and others.
Driving without insurance is dangerous because the road is a high-risk location for accidents and other mishaps to occur. Getting caught driving without insurance will result in a financial penalty as well as the seizure of your car and possible suspension of your driving privileges.
Uninsured Driver Coverage becomes increasingly vital in Texas, where 1 out of 5 drivers is not insured. Uninsured and underinsured auto coverage costs Texans about $900 million every year, according to the state.
Speak with a Property & Casualty (P&C) insurance agent who is licensed in the state of Texas if you have questions about your auto insurance coverage in Brewster County.
Brewster County's approximate 5,646 housing units are divided between homeowners (58%) and renters (42%), just like the rest of Texas, where the vast majority of residences are owner-occupied (split at 62% owners, 38% renters). The neighboring counties are mostly composed of owner-occupied dwellings as well. Terrell County leads the way with a homeownership percentage of over 93%, while Presidio County ranks the second-lowest in homeownership at almost 58% owners) and 42% renters, similar to the percentage of Brewster County itself.
More than 1 in 6 housing units in Brewster County are having serious housing problems as a result of excessive housing expenses, congestion, a lack of plumbing, problems with kitchen appliances, etc.
Over 5,600 housing units are subject to insurance requirements. In order to protect themselves against financial loss or risk, the owners of these homes should at the very least have Homeowners or Condo Insurance.
Brewster County has over 2,000 dwelling units that are rented out, thus landlords are recommended to purchase Landlord Insurance to protect their properties as well as themselves from potential liability claims that may arise from renters.
It is recommended that tenants purchase Renters Insurance coverage in order to protect their things from potential damage or loss. Property coverage provided by a typical renters' insurance policy commonly includes coverage for theft as well as damage caused by fire, smoke, water, and vandalism. Rental insurance may be required by some landlords in Brewster County as a condition of the lease agreement.
For consultation and advice about Homeowners insurance or Renters insurance in Brewster County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
In Brewster County, more than 1 out of 5 adults and almost 12% of all children lack health insurance, compared to Texas's average of approximately 20.7 percent. Presidio County has the highest adult uninsured rate among the neighboring counties, at almost 33%. Terrell County on the other hand has the lowest uninsured adult rate in the area, at nearly 20%. Gaines County has the highest number of uninsured adults in the state of Texas, at nearly 36%, while Loving County has the lowest rate, at only 11.4%.
In Brewster County, more than 1 in 5 adults report having health difficulties.
22% of the Brewster County population does not engage in any form of physical activity.
Around 26% of Brewster County residents are classified as obese (BMI 30 or above), which is lower than the state average of 31.4% in Texas. Among the neighbors, Terrell County has the lowest rate of obesity at 20%, while Pecos County has nearly 40% of adults classified as obese.
Brewster County has at least 2 health insurers that provide affordable and regularly subsidized ACA health insurance, both on and off the state marketplace.
Health insurance is the most important type of insurance, and over 1,400 people in Brewster County still do not have it.
Texas is one of the states that allows residents to choose from a variety of health insurance and supplemental products, making it easier for them to obtain coverage. These include ACA health insurance (Group and Individual Marketplace coverage), various types of short-term insurance (with coverage up to three years),hospital indemnity, accident and health, and others.
If low-income consumers are unable to obtain health insurance owing to financial constraints, they are recommended to apply for government subsidies, which can significantly reduce the cost of insurance. If you do not have any pre-existing conditions, short-term insurance may be an option for you. (* After a year or more of coverage, some Texas multi-year short-term health insurance plans may cover certain pre-existing conditions.)
Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available in Brewster County.
A Texas health insurance agent analyzes your needs, researches the available options, explains the differences between those options, and assists you with the application process.
Average life expectancy for the residents of Brewster County is around 81.3 years old, which is higher than the Texas average of 79.2. Among the neighboring counties, Presidio County shows longer life spans with nearly 89, which is also the highest in the entire state of Texas. Meanwhile, the lowest expected life span among the neighboring counties is in Pecos County, at 78.4, and statewide - in Donley County, at 72.8 years old.
Brewster County in 2022 counted approximately 2,000 senior residents.
In 2021, 48% of Americans did not have any form of active life insurance coverage.
Premiums for life insurance are determined by the insured's age at the time the policy begins. The younger you are when you purchase it, the more money you save on premiums over the policy's term.
The Texas Department of Transportation (TxDOT) has stated that 98 collisions were reported to have occurred in Brewster County in 2020, resulting in 4 fatalities. Alcohol is proven to be the primary culprit in almost 67% of all driving deaths in Brewster County.
Funeral costs vary significantly throughout Brewster County. The average price of a funeral in Brewster County is reported at almost $7,000, which is higher than the state-average of $6,200 and one of the highest in the surrounding area. Presidio County has the second-highest average funeral cost in the neighboring counties, at over $6,000, while funeral homes in Pecos County have the lowest average funeral cost, at less than $5,000.
With 46% of Americans dying with funds averaging less than $10,000, the cost of a basic funeral can become a concern, putting an unwanted and often devastating strain on family and friends who are left behind. Instead of grieving their loss, the family must concentrate on figuring out how to make ends meet.
Apart from burial expenses, the deceased frequently leave behind taxes and other debts for the surviving family members to deal with.
Term life insurance and final expense insurance are the two most frequently used types of life insurance to cover "final expenses" up to $50,000.
The most often utilized life insurance policies for leaving money to heirs are variations on Term Life Insurance and Cash value life insurance, like Whole Life Insurance, Indexed Universal Life (IUL) insurance, and Final Expense insurance.
Contact a life insurance agent licensed in the state of Texas for a consultation and advice about life insurance alternatives in Brewster County.
A Texas life insurance agent: analyzes your needs, researches the locally available options that fit your needs, explains how the differences between the available options may affect your decision, and assists you with the application process. The use of a Texas insurance agent typically does incur additional cost to the insured.