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Fayette County

Driving in Fayette County

Fayette County is home to an estimated 20,212 private and commercial vehicles, accounting for about 0.09% of all vehicles registered in Texas.

More than 84% of adult drivers in Fayette County drive alone to work, and nearly 1 out of 5 of those trips take 30 minutes or more to complete.

It is estimated that one in every five Texas drivers is uninsured, which means over 4,000 vehicles in Fayette County may not have any type of coverage.

Auto Insurance Analysis:

  1. Insurance is required for over 20 thousand vehicles registered in Fayette County. Private Auto, Commercial Auto, Comprehensive Coverage, Commercial or Farm Transportation, Inland Marine, and other types of insurance may be required depending on the type of vehicle and its use. Liability coverage is required for all vehicles on the road.

  2. Majority of Fayette County’s roads are rural. These types of roads have less traffic and less potential for vehicular collision. However, rural areas are more prone to animals getting in the way of moving cars. The majority of crashes into animals in Texas peak twice a day: 5-8 AM, and predominantly 6 PM to midnight. The highest potential of a collision with a deer is in November. Comprehensive Auto Coverage can help with the cost of repairing the car after hitting an animal.

  3. Since one out of every five drivers in Texas is uninsured, Uninsured Driver Coverage is becoming increasingly important. Texans spend nearly $900 million each year on uninsured and underinsured auto coverage.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for a consultation and advice on auto insurance in Fayette County.

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Car Insurance in Texas

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Fayette County Housing

Fayette County had approximately 14,110 housing units as of 2022. The county's housing market is divided between homeowners (82%) and renters (18%). The surrounding counties are mostly composed of owner-occupied homes too, with Colorado County leading the way with more than 82% homeownership and Gonzales County trailing with more than 67% owners and nearly 33% of housing units for rent.

Overcrowding, a lack of plumbing, or kitchen problems affect more than 1 out of 10 housing units in Fayette County. In approximately 3 out of 20 homes, housing consumes more than half of a household's income.

Housing Insurance Analysis:

  1. There are more than 14 thousand homes in Fayette County that require insurance. At the very least, they should all have Homeowner's Coverage to protect the property's owners from loss or damage and to guard the underlying financial investment against potential loss or damage.

  2. With more than 2,500 units being rented out, Landlords can obtain Landlord Insurance. This safeguards the property against any potential liability claims made by its tenants.

  3. Renters Insurance should be obtained by tenants to protect their belongings from possible damage or loss. Renters' insurance is typically inexpensive and protects the tenant's property from theft and damage caused by fire, smoke, water, and vandalism. Some landlords in Fayette County may demand renters insurance as a condition of the lease.

Contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas for consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Fayette County.

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Residential Insurance in Texas

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Fayette County Health

Fayette County is not the worst regarding health insurance when compared to its neighbors, 22% of adults in Fayette County do not have adequate health insurance coverage. Furthermore, almost 15% of the children in Fayette County do not have health insurance coverage. Caldwell County has the highest adult uninsured rate among neighboring counties at 26%, while Lavaca County has the lowest percentage with 19%.

Gaines County has the highest uninsured adult rate in Texas, at nearly 36%, while Loving County has the lowest rate, at 11.4%. The average adult uninsured rate in Texas was around 20.7% in 2021.

More than 1 in every 5 residents (more than 4,000 adults) in the county are reporting health-related problems.

Roughly 23% of the Fayette County population do not participate in physical exercise activities.

Almost 1 out of 4 Fayette County residents are obese (with a BMI of 30 or higher). This is lower than the Texas average (≈1 out of 3). Fayette County has the lowest obesity rate in the region, while Bastrop County has the highest, with ≈2 out of 5 adults being obese.

On and off the state marketplace, at least 5 health insurers in Fayette County provide affordable and frequently subsidized ACA health insurance.

Health Insurance Analysis:

  1. The most important type of insurance is health insurance, and over 4,000 Fayette County residents lack proper coverage.

  2. Texas is one of the states that allow the sale of various health insurance and supplemental products. This makes it easier for Texans to obtain coverage that meets their specific needs (both medically and financially): Group or Individual Marketplace ACA health insurance, Short-term insurance, Hospital Indemnity, Accident & Health, etc.

  3. If low-income consumers are unable to acquire health insurance due to financial constraints, they should apply for government subsidies, which can significantly lower insurance costs.

  4. If you do not have any pre-existing conditions, short-term insurance may be an option. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage.)

For consultation and advice about health insurance in Fayette County, contact a health insurance agent licensed in the state of Texas.

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Health Insurance in Texas

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Fayette County Mortality and the End of Life Statistics

The average life expectancy in Fayette County is 79.4 years old, which is almost similar to the Texas average of 79.2 years old. When compared to its neighboring counties, Washington County has the highest life expectancy at 80.2 years old, nearly one year longer than Fayette County. Caldwell County, on the other hand, has the lowest average at 77.3 years old. Statewide, Donley County has the lowest life expectancy at 72.8 years, while Presidio County has the highest, at 88.8 years.

Fayette County had approximately 7,000 senior residents (65 and older) in 2022.

Life Insurance Facts:

  1. 48% of Americans in 2021 did not have any type of active life insurance policy.

  2. Note that the cost of life insurance is heavily influenced by the insured's age when they apply for and are accepted for the policy. Locking in the premium rate at a young age can save the insured some money over the course of the policy.

Motor Vehicle Fatalities in Fayette County

Motor vehicle fatalities occur at a rate of 25.59 per 100,000 vehicles on the road in Fayette County. This equates to 5 fatal crashes per year on average.

The Texas Department of Transportation (TxDoT) reported 447 crashes in Fayette County in 2020, resulting in 19 fatalities. In Fayette County, alcohol has been determined to be the primary cause of fatal crashes in nearly 20% of fatalities.

Final Expenses - Fayette County Funeral Home Costs

Funeral expenses in and around Fayette County vary drastically. The average price of a funeral in Fayette County is around $5,700, which is lower than the average funeral cost across Texas, of around $6,200.

Looking at the adjacent counties, Austin County has the most expensive funeral cost averaging nearly $6,700, while the most affordable funeral service is in Bastrop County with around $5,000.

Life Insurance Analysis

  1. With 46% of Americans dying with less than $10,000 in savings, over 3,000 Fayette County senior citizens may be putting an unnecessary and frequently unbearable financial burden on their family and friends. Rather than focusing on their loss, the family must concentrate on finding a way to pay. (Note: When using life insurance to pay for funeral services, most funeral homes require the policy to be "assignable.")

  2. In addition to burial costs, the deceased frequently leave unpaid taxes and other debts for the surviving family to deal with.

  3. Term life and final expense are the most commonly used types of life insurance policies for covering "final expenses" of up to $50,000.

  4. There are different kinds of insurance policies that can help the bereaved family through financial assistance. Such life insurance policies can be Term Life Insurance and variations of Permanent (Cash Value) Life Insurance: Whole, Indexed Universal Life, and others.

For consultation and advice about life insurance in Fayette County, contact a knowledgeable life insurance agent licensed in the state of Texas. Such an agent can help you evaluate your needs and then offer you multiple solutions to fill them.

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

Life Insurance in Texas

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