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Denton County

Driving in Denton County

An estimated 747,068, or around 3.19% of private and commercial vehicles in Texas, are registered in Denton County.

Furthermore, in Denton County, 80% of adult drivers drive alone to work, with roughly 294,000 of them commuting for 30 minutes or more. With an estimated 20% of Texas drivers driving uninsured, there could be around 149,000 uninsured automobiles in Denton County alone.

Auto Insurance Analysis:

  1. Over 700,000 automobiles registered in Denton County require insurance coverage. The sort of auto insurance required for an automobile is decided by the type of the vehicle, as well as its intended purpose. Private Auto Insurance, Commercial Auto Insurance, Auto Liability Insurance, Commercial Inland Marine Insurance, and other types of vehicle insurance are all choices.

  2. In Texas, where 1 out of every 5 drivers is uninsured, Uninsured Driver Coverage is becoming increasingly important. Texans pay nearly $900 million each year in uninsured and underinsured driver coverage.

  3. Driving without insurance is dangerous because the road is a high-risk location for accidents. You will be fined, your vehicle will most likely be seized, and your license may be suspended if you are caught driving without insurance.

To discuss your auto insurance needs in Denton County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Car Insurance in Texas

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Denton County Housing

Like the majority of Texas, where homes are mostly owner-occupied, Denton County's approximately 360,944 housing units are also mostly occupied by homeowners. Approximately 65% of housing is owner-occupied, while 35% is for rent. The rest of the neighboring counties are similarly mostly made up of owner-occupied dwellings. The neighboring county with the highest number of homeowners living in their homes in Wise County (77%), while Dallas County is split almost evenly at 50/50.

In Denton County, about 13% 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 Denton County, insurance is required for over 360,000 dwelling units. At the very least, the owners of these homes should get Homeowners or Condo Insurance, and/or Business property insurance (for apartment complexes), to protect their investment.

  2. Landlord Insurance is strongly recommended for 125,000+ 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 to be the client’s preferred link to the insurer, for the duration of the policy.

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Residential Insurance in Texas

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Denton County Health

Unlike the majority of Texas counties, Denton County has a lower-than-average number of uninsured residents. Approximately 13% of Denton County residents under 65 do not have health insurance. Dallas has the highest rate of uninsured residents among nearby counties, at nearly 25%, followed by Grayson (21.8%) and Wise (21.6%) counties. With an uninsured rate of just over 12%, Collin County is the least uninsured of the neighbors.

Over 102,000 Denton County residents report concerns with their health. Almost 32% of the county’s residents are considered obese (with a BMI of 30 or more), and around a fifth of the adult population smokes.

On and off the state marketplace, at least 5 health insurers in Denton County offer affordable and regularly subsidized ACA health insurance.

Health Insurance Analysis:

  1. The insurance coverage that is important for every person is health insurance, and over 113,000 Denton County residents under the age of 65 do not have it.

  2. Texas law permits the sale of a variety of health insurance plans, making it simple 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 of too high of a cost, lower-income consumers should apply for government subsidies, which can significantly 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 Denton County.

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Health Insurance in Texas

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Denton County Mortality and the End-of-Life Statistics

Residents of Denton County have an average life expectancy of 82 years, which is higher than the Texas average of 79.2 years and the second-highest among its neighboring counties. In terms of neighboring counties, Collin County has the highest average life expectancy at 82.7 years, while Grayson County has the lowest, at less than 77. Donley County has the lowest life expectancy in Texas, at just 73 years old, and Presidio County has the highest, at 88.8 years old.

Over 100,000 seniors (65 years and older) resided in Denton County in 2022.

Life Insurance Facts:

  1. The premiums are determined by the insured's age at the start of the policy. You'll save more money on premiums throughout the insurance if you get it when you're younger.

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

Motor Vehicle Fatalities in Denton County

Motor vehicle fatalities occur at a rate of about 7.11 per 100,000 vehicles on the road in Denton County. This amounts to an annual average of around 53 fatal collisions.

In 2020, the Texas Department of Transportation (TxDOT) reported over 9,489 crashes in Denton County, with a resultant 57 fatalities. Alcohol has been recognized as the leading cause of fatal crashes, accounting for roughly 29% of all traffic fatalities in Denton County.

Final Expenses – Denton County Funeral Home Cost

In Denton County, the average funeral cost is around $5,800. This is significantly less than the average funeral cost in Texas, which is around $6,200. It is also the lowest among its neighboring counties. Among the neighbors, Collin County has the highest funeral expenses at almost $10,000, followed by Dallas County with closer to $9,000.

Life Insurance Analysis (continued):

  1. With 46% of Americans dying with less than $10,000 in assets, over 46,000 Denton County residents may be putting an unnecessary and frequently painful financial 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. The most often used life insurance policies to cover "final expenses" up to $50,000 are Term Life Insurance and Final Expense Insurance.

  4. The most commonly used life insurance products to leave money to the family are variations of Term Life Insurance and Whole Life Insurance, particularly Indexed Universal Life (IUL) insurance and Final Expense insurance.

Texas Insurance, Life Insurance, Term Life vs. Cash Value Insurance

Life Insurance in Texas

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