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Comal County

Driving in Comal County

An estimated 135,363, or around 0.58% of private and commercial vehicles in Texas, are registered in Comal County and more than 80% of adult drivers in Comal County drive to work alone, with over 51,000 of them commuting for 30 minutes or more.

With an estimated 20% of Texas drivers driving without insurance, Comal County alone could have roughly 27,000 uninsured vehicles.

Auto Insurance Analysis:

  1. There are over 135,000 registered automobiles that require insurance in Comal County. The type of a car, as well as its intended purpose, the sort of auto insurance it requires. There are a variety of car insurance alternatives to consider, including Private Auto, Commercial Auto, Commercial Inland Marine, which are types of vehicle insurance. Liability coverage is required for all vehicles on the road. Liability coverage is a requirement for all vehicles on the road.

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

  3. A longer daily commute, which affects nearly 51,000 Comal County residents, raises the cost of auto insurance by increasing the amount of time a motorist spends on the road and, as a result, the likelihood of being involved in a car accident.

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

Comal County Housing

Comal County's approximately 72,236 housing units, like the rest of Texas, are a mix of owner-occupied homes and rental units, with around 6 owner-occupied homes for every 4 rental units. Comal County has an owner-occupied rate of roughly 74%. The neighboring counties are also primarily made up of owner-occupied homes. With over 78% of homeowners living in their houses, Blanco County leads the way, followed by Guadalupe County with 76%. Bexar County, with an owner-occupied rate of 58%, is the area's largest provider of rental properties.

Around 13% of the housing in Comal County is considered in severe condition, due to high housing costs, issues with plumbing, and utilities. In approximately 15% of Comal County homes, the family residing on the property spends more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Over 72,000 dwelling units require insurance in Comal County. Home and condo owners should at the very least have Homeowners or Condo Insurance to protect themselves against property loss or damage. Apartment complexes are insured by Commercial insurance.

  2. With approximately 18,000 rental units in Comal County, owners of those properties are urged to purchase Landlord Insurance, which protects the property as well as the landlord from potential liability claims brought by renters. Apartment complexes are covered by Business Property insurance.

  3. Tenants can protect themselves by purchasing Renters Insurance, which is substantially less expensive than homeowner's insurance because it only covers the renter’s property. Property theft/loss, vandalism, smoke, sewer backup damage, water, and fire are all covered by renters' insurance. It also protects a tenant from being held liable 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 to be the client’s preferred link to the insurer, for the duration of the policy.

Comal County Health

Comal County’s 15% rate of uninsured residents is below the state average (almost 21%) and the lowest among the neighbors: Blanco County has the highest uninsured rate, at over 21%, followed by Bexar County (19%) and Hays County (17%).

At least 4 health insurers in Comal 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, and in Comal County, about 21,000 residents do not have it.

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

  3. If health insurance is not obtained because it is too expensive, low-income consumers should apply for government subsidies, which can significantly reduce the cost of insurance.

  4. Short-term health insurance and the corresponding supplemental policies may give further savings if there are no pre-existing conditions. (After a year or more of continuous coverage, some Texas short-term health insurance policies may cover certain pre-existing diseases.)

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 Comal County.

Comal County Mortality Rate and the End-of-Life Statistics

The average life expectancy of the Comal County resident is 79.7 years, which is higher than the Texas average of 79.2 years. As for the neighboring counties, the highest life expectancy is in Kendall County with 81.6 years and the lowest is in Bexar County with an average life expectancy of 78.9. Blanco County is closer to the state average, with 79.5 years.

In 2022, Comal County had approximately 31,000 seniors (65 years and older) residents.

Life Insurance Facts:

  1. Premiums for life insurance are determined by the insured's age at the start of the policy. The younger you are when you purchase it, the more money you will save in premiums over the life of the policy.

  2. In 2021, 48% of Americans did not have life insurance.

Motor Vehicle Fatalities in Comal County

Motor vehicle fatalities in Comal County occur at a rate of 14.4 per 100,000 vehicles on the road. This is an average of 19 fatal collisions per year.

In 2020, the Texas Department of Transportation (TXDoT), reported 2,098 crashes in Comal County. Out of those, 20 crashes resulted in 21 fatalities.

Final Expenses – Comal County Funeral Home Cost

The average funeral cost in Comal County is approximately $6,900. This is higher than the average funeral cost across Texas, of around $6,200. Out of the neighbors, Comal County has the highest funeral home cost followed by Kendall County with an average funeral home cost of $6,400, while Hays County is at $5,900 - the lowest among the neighboring counties.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a simple burial can become a problem, putting an unwelcome and often awful strain on family and friends. Rather than grieving, the family must concentrate on determining how to pay.

  2. Apart from burial fees, the deceased frequently leave behind taxes and other debts for the family to deal with.

  3. Term Life Insurance and Final Expense Insurance is the most commonly utilized life insurance policies to cover "final expenses" up to $50,000.

  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 consultation and advice about life insurance in Comal County, contact an experienced and knowledgeable life insurance agent licensed in the state of Texas, who has access to multiple insurers and various insurance products - to fit every need.