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Hale County

Driving in Hale County

Approximately 25,467 vehicles are registered in Hale County. This figure represents around 0.11% of all vehicles in Texas.

Over 85% of adult drivers commute to work daily by themselves, and almost one out of five of those journeys take at least half an hour or more to complete.

Research suggests that 20% of drivers in Texas are uninsured, and over 5,000 vehicles in Hale County alone may not have any kind of auto insurance coverage.

Auto Insurance Analysis:

  1. Hale County has over twenty five thousand registered automobiles, and they all need at least one type of insurance coverage as required by law. Ride-Sharing Coverage, Gap Coverage, Comprehensive Auto, and Commercial Transportation are only a few of the options that car owners can choose from depending on what vehicles they own and how they utilize them.

  2. Texas law requires vehicle owners to have Liability Coverage, which covers the costs for the repair of the other driver’s vehicle and/or hospital bills if you were proven to be at fault for the accident.

  3. More and more importance is being given to Uninsured Driver Coverage since 20% of the drivers in Texas don’t have auto insurance. Texans spend a total of almost $900 million every year for Uninsured and Underinsured Auto Coverage costs.

To get expert auto insurance advice in Hale 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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Hale County Housing

The split between homeowner-occupied homes (62%) and renter-occupied (38%) units in Hale County’s 13,313 housing unit market is similar to the state average. Looking at its immediate neighbors, all of their respective markets are also dominated by owner-occupied homes. Floyd County has the highest owner-occupied rate at 75%, while Lubbock County has the lowest average at 55%.

Regarding renter-occupied units, Hale County has the second-highest rate after Lubbock County with a 38% average. This means that almost two out of five homes in the county are rentals.

Approximately 17% of the homes in Hale County experience housing issues, overcrowding, substandard plumbing, or problems with the kitchen. In approximately 15% of homes, residents spend half of their income on housing.

Housing Insurance Analysis:

  1. More than 13 thousand homes in Hale County need insurance coverage. All owners of these properties should have at least Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes) to protect the underlying financial investment from damage or even loss.

  2. With over five thousand housing units in Hale County listed for rent, landlords ought to purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.

  3. Tenants, on the other hand, should obtain Renters Insurance to protect their belongings from damage or loss. The average cost of this coverage is quite cheap, and it will cover the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Hale County include Renters Insurance as a requirement of the lease.

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

A Texas P&C Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences of the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance. (agent’s service is usually paid by the insurer)
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Residential Insurance in Texas

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Hale County Health

In Hale County, nearly one out of four residents (including children) do not have any type of health insurance coverage. This figure is quite close to the state average of a little over one out of five. However, compared to its peer counties, Hale County isn’t doing too bad.

Around 29% of Castro County’s residents are not protected with proper health insurance coverage, while Lubbock County has the lowest average at 18%.

Statewide, Gaines County has the highest adult uninsured rate at nearly 36%, while Loving County has the lowest percentage at just 11.4%. As of 2021, the average adult uninsured rate in Texas was approximately 20.7%.

Hale County has the highest obesity rate compared to its peer counties, with almost one out three residents considered obese (with BMI of 30 or more). Coming in at second are Floyd and Lubbock Counties, with an obesity rate of 31%, which is equal to the state average. On the other hand, residents of Swisher County are pretty healthy, given that they have the lowest rate. Only one out of five residents are obese in that county.

There are at least two health insurers in Hale County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is the most vital insurance coverage, but despite this fact, almost seven thousand residents of Hale County lack proper coverage.

  2. Well over seven thousand residents of Hale County are obese, and these individuals will be engaged in a more expensive health insurance policy. Being overweight is a risk factor that drives non-ACA health insurance premiums up or can even serve as a reason to get the coverage declined.

  3. The sale of multiple types of health insurance and supplemental products is permitted in Texas, which makes shopping for coverage that fits their specific needs (both medically and financially) much easier. Texans can take out Group of Individual Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.

  4. Low-income families who cannot afford health insurance coverage can apply for government subsidies which can significantly reduce or almost eliminate the costs.

  5. Short-term Insurance is another way to save money if you do not have any pre-existing conditions. (If you have had your policy for a year or more, some pre-existing conditions may be covered by some Texas multi-year short-term health insurance.)

Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Hale County.

A Texas Health Insurance Agent:

  • analyzes what you need and what your restrictions are,
  • researches the right plans that will address your needs,
  • provides you with the available options of coverage,
  • highlights the differences of the options’ effects once you start using each insurance product
  • helps with the application process
  • does not affect your cost of insurance. (agent’s service is paid by the insurer)
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Health Insurance in Texas

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Hale County Mortality and the End of Life Statistics

The average life expectancy rate in Texas is 79 years old, which is a year higher than Hale County’s 78-year average. Among the next-door neighbors, Castro County has the highest life expectancy figure at 80 years old, while Swisher and Crosby Counties both have the lowest average at 75 years.

In the state of Texas, Presidio County has the highest average at 89, and Donley County has the lowest life expectancy at 73 years old.

In 2022, there were approximately 4,462 seniors (65 and older) living in Hale County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not own any kind of life insurance coverage.

  2. It is a misconception that young adults do not need life insurance. Getting a policy at a young age, while the potential policyholder is still healthy and unlikely to pass away, can save them a lot of money. Premiums for life insurance tend to get more expensive as the potential policyholder gets older.

  3. Around 18% of Hale County residents smoke, and this habit will spike up the premiums of almost six thousand residents. A smoker’s life insurance premiums are up to four times more expensive than a non-smoker's, as their life expectancy is deemed shorter.

  4. Whole Life Insurance has a cash value component, meaning that after a stated period, the insured can use the funds for emergencies, to borrow against, or even for tax-free income as a living benefit, during the retirement years.

Motor Vehicle Fatalities in Hale County

Motor vehicle fatalities in Hale County occur at a rate of 15.39 per 100,000 vehicles on the road, averaging four fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 441 crashes in Hale County, which led to five deaths. Almost one out of four fatal car crashes in Hale County involved alcohol.

Final Expenses – Hale County Funeral Home Cost

A funeral in Hale County will cost almost $7,000, which is more expensive than the state average of $6,200. Looking at its surrounding counties, Lubbock and Hockley Counties have the second-highest funeral cost average, both at almost $6,100. While Lamb County has the most affordable funeral cost average at $5,000.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a standard burial for over two thousand Hale County residents could fall on the shoulders of the deceased person’s friends and family. Instead of mourning their loved one’s passing, they will have to focus on figuring out how to pay for the funeral.

  2. On top of burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.

  3. Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" 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 variations of Term Life Insurance and Permanent Life Insurance.

To get advice regarding life insurance in Hale County - reach out to a knowledgeable and experienced life insurance agent who is licensed in the state of Texas and works with multiple insurers. Such agents can assess your needs and provide an array of options to fill them.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.

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

Life Insurance in Texas

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