Out of the 23 million vehicles registered in the state of Texas, 4,542 of them call the roads of Haskell County their home. This number represents 0.02% of all the vehicles in Texas.
Nearly 4 out of 5 Haskell County residents who commute to work daily, drive to their place of work by themselves, and 15% of these individuals need more than half an hour to reach their respective destinations.
With 1 in 5 Texas vehicles uninsured, nearly 1,000 vehicles in Haskell County could be uninsured or underinsured.
More than 4 thousand automobiles registered in Haskell County could use at least Auto Liability insurance coverage as mandated by the state of Texas. Ride-Sharing Coverage, Collision Coverage, Non-Owner, and Farm or Commercial Auto are a few of the additional options that vehicle owners can choose from, depending on what vehicles they own and how they utilize them.
About half of Haskell County is rural, and roads in rural areas have less traffic and less potential for vehicular collisions. However, rural areas are more prone to Animal-Vehicle Collisions (AVCs). 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. Due to this, Haskell county residents should consider Comprehensive Auto Coverage, which helps with the cost of repairing the car after hitting an animal. Take note that Liability Coverage does not cover this type of incident.
Farm and ranch owners are generally advised to bundle the auto insurance of their trucks and personal vehicles to save money.
Uninsured Driver Coverage is gradually becoming more important since 1 out of 5 drivers in Texas are uninsured. Texans spend nearly $900 million annually on Uninsured and Underinsured Auto Coverage costs.
To get auto insurance advice in Haskell County, contact an experienced Property & Casualty (P&C) insurance agent licensed in the state of Texas.
Similar to the majority of Texas, Haskell County’s ≈3,499 housing unit market is dominated by owner-occupied residential properties, with 76% of the homes inhabited by the owners and 24% of them available for tenants to move into.
Looking at its bordering counties, Knox County leads the group with 83% of its residential real estate occupied by the owners, followed by Shackelford County at 80%. King County, on the other hand, is an oddity regarding these matters. With a 33% owner-occupied rate, only every third home is inhabited by the owners in King County, and the majority of homes are listed as rentals.
About 12% of homes in Haskell County experience various housing problems, overcrowding, substandard plumbing, or kitchen-related issues, which is the lowest in the state of Texas. In nearly 15% of homes, residents allocate half of their income to housing expenses.
More than 3 thousand homes in Haskell 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 properties from damage or even total loss.
Landlords in Haskell County are generally advised to purchase Landlord Insurance, which covers the property and possible liability claims from the tenants.
Tenants are advised to take out Renters Insurance, which is quite affordable and can protect the tenants’ belongings from damage or loss. The policy covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Haskell County require Renters Insurance as part of the lease conditions.
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 Haskell County.
It is estimated that 27% of the adults (below 65) in Haskell County do not have proper health coverage — this percentage is much lower than the Texas state average of 21%. In its region, Haskell County has the highest uninsured adult rate, followed by Knox County with 25%. Baylor County has the lowest figure at 16%.
Statewide, the highest adult rate in the state of Texas is in Gaines County, at nearly 36%, while the lowest rate is observed in Loving County at just 11.4%. As of 2021, the average adult uninsured rate in Texas was around 20.7%.
About 27% of Haskell County residents report health problems. This is probably due to the fact that 23% of the adults smoke, 19% consume alcohol excessively, and a third of them do not exercise regularly, despite the fact that 60% of the residents have access to places where they can do physical exercises.
The lack of exercise is one of the main reasons why 28% of the adult population in Haskell County are considered obese (with a BMI of 30 or more) — this rate is much lower than the state average of 31%. Within its region, Haskell County has the highest obesity rate, followed by Baylor County at 27%. At the bottom of this list are Stonewall County and King County, both with 20% obesity rates.
There are at least 2 health insurers in Haskell County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.
Over a thousand Haskell County residents do not have proper health insurance coverage despite the fact that this is the most important type of insurance.
Texas is among the states that allow the sale of multiple types of health insurance and supplemental products. This makes it easier for Texans to obtain coverage that fits their specific needs (both medically and financially): Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
Those who cannot afford to purchase health insurance are generally advised to apply for government subsidies to lower or even almost eliminate the out-of-pocket costs of health insurance.
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, 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 Haskell County.
A Texas health insurance agent: analyzes your needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent assists you with the application process, and at any time, you need to make a change to the policy or shop for replacement coverage.
The average Haskell County resident has a life expectancy of 77.6 years, which is almost a couple of years shorter than the Texas average of ≈79.2 years old. Among the neighbors, Shackelford County residents have the longest life span with an 82.3-year average, while Baylor County has the shortest life expectancy at 73.8 years.
Statewide, Presidio County has the highest average at 89 years, and Donley County has the lowest life expectancy rate at 73 years old.
In 2022, there were over 3,500 seniors (65 and older) living in Haskell County.
In 2022, 47% of Americans did not own any kind of life insurance coverage.
As the policyholder’s age goes up, so do the costs of life insurance. This is the reason why young adults are generally advised to take out a policy as early as possible, why they are still young and healthy.
Approximately 23% of adults in Haskell County smoke, which increases their life insurance premiums by up to 4 times. A smoker is predicted to pass away at a younger age which makes them a risk for life insurance carriers.
Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds to borrow against, for emergency expenses, or as a tax-free retirement income.
In 2020, the Texas Department of Transportation (TxDoT) reported 78 crashes in Haskell County, leading to 4 fatalities. Alcohol is determined as the main factor for the fatal crashes in Dallas County in over 29% of all driving fatalities.
A traditional funeral in Haskell County could cost the family and friends of the deceased around $5,600, which is much cheaper than the Texas state average of $6,200. Among the neighbors, Shackelford County has a much more expensive funeral cost average of $6,700, while Throckmorton County families could be charged somewhere around $6,300.
In the entire state of Texas, Polk County has the highest funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.
With 46% of Americans passing away with less than $10,000 in assets, Haskell County senior residents could be placing an unnecessary and frequently unbearable financial burden on family and friends. Instead of grieving their loss, the family must concentrate on finding a way to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
The deceased frequently leave unsettled debts and taxes, which may further complicate the family’s financial situation.
Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.
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 Life Insurance: Whole, Indexed Universal Life, and others.
To get advice regarding life insurance in Haskell County and help lighten the load for your family - reach out to a knowledgeable life insurance professional licensed in Texas. An experienced agent can help you evaluate your needs and then offer you multiple solutions to fill them.