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Hill County

Driving in Hill County

The roads of Hill County are home to an estimated 29,456 private and commercial vehicles. This figure accounts for approximately 0.13% of all vehicles registered in Texas.

Almost 82% of adult drivers in Hill County commute alone and more than half of those trips take more than 30 minutes.

It is suggested that 20% of Texas drivers are uninsured, which means nearly 6,000 uninsured vehicles could possibly be found in Hill County alone.

Auto Insurance Analysis:

  1. Over 29 thousand vehicles registered in Hill County are required to have insurance. The following insurance policies may be secured depending on the kind of vehicle and its intended use: Private Auto, Farm Auto, Commercial or Farm Transportation, Inland Marine, and so on. Auto Liability coverage is required for all vehicles on the road.

  2. A longer commute raises the cost of vehicle insurance since it increases the amount of time a motorist spends on the road. This, in turn, raises the chances of getting involved in a car accident.

  3. Uninsured Driver Coverage is becoming increasingly vital in Texas, where 1 out of every 5 drivers is uninsured (without Liability coverage). The protection from such uninsured or underinsured vehicles costs Texas drivers approximately $900 million each year.

For consultation and advice about auto insurance in Hill 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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Hill County Housing

The majority of houses in Texas are owner-occupied (about 62%), and Hill County, which has a housing market of around 16,663 units, follows suit with an owner-occupied rate of 73%. The neighboring counties are primarily made up of owner-occupied homes, with Bosque County topping the list with over 77% homeownership, while McLennan County has the lowest rate of owners (59%) - with 41% of real estate for rent.

According to reports, at least 16% of Hill County's housing units are experiencing serious housing problems like overcrowding, substandard plumbing, or kitchen concerns. In approximately 15% of homes, residents spend more than 50% of their income on housing expenses.

Housing Insurance Analysis:

  1. There are over 17,000 housing units in Hill County that could use insurance coverage. At the very least, they should all have Homeowner's coverage to protect the owners of the property from loss or damage.

  2. With well over 4,000 rental units in Hill County, property owners should get Landlord Insurance, which covers both the property and potential liability claims from renters.

  3. Renters Insurance can be obtained by tenants to protect their belongings from potential damage or loss. Renters' insurance often covers tenants' possessions against theft and damage caused by fire, smoke, water, and vandalism. Renters insurance may be required by some Hill County landlords as a condition of the lease.

For consultation and advice about Homeowners insurance or Renters insurance in Hill County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Texas.

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Residential Insurance in Texas

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Hill County Health

Although not the worst in terms of health insurance coverage when compared to its neighbors, at nearly 23%, more than 1 out of every 5 Hill County residents under the age of 65 do not have health insurance coverage. Navarro County has the highest adult uninsured rate among surrounding counties at around 24%, while McLennan County has the lowest with 18% uninsured residents in its population.

For comparison, Gaines County has the highest percentage of uninsured residents in Texas, at nearly 36%, while Loving County has the lowest rate, at 11.4%. In 2021, the average adult uninsured rate in Texas was 20.7%.

More than 1 out of every 5 adults in Hill County has a health issue, which is probably connected to the fact that 37% of the Hill County population is not physically active on a daily basis.

Over 37% of Hill County people are obese (BMI of 30 or more), which is higher than the Texas average of around 31%. Bosque County has the lowest obesity rate among nearby counties, with roughly 26% of its population suffering from obesity. Limestone County, on the other hand, has about 42% of its population that is obese, and this rate is the highest in the region.

On and off the state marketplace, at least 4 health insurers in Hill County provide inexpensive and frequently subsidized ACA health insurance.

Health Insurance Analysis:

  1. Health insurance is the most crucial sort of insurance, yet almost 7 thousand Hill County residents do not have it.

  2. Texas is one of the states that allows a variety of health insurance and supplemental products, making it easier for residents to obtain coverage: Marketplace or Group ACA health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.

  3. If low-income residents cannot obtain health insurance due to unaffordability, they should apply for government subsidies, which can greatly lower the cost of health insurance coverage. Short-term insurance may be a possibility for you if you do not have any pre-existing conditions. (Note: Short term insurance may cover some pre-existing conditions after a year of coverage)

For consultation and advice about health insurance in Hill County, contact a knowledgeable health insurance agent licensed in the state of Texas who has access to multiple insurers and plans.

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Health Insurance in Texas

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Hill County Mortality and the End of Life Statistics

The average life expectancy in Hill County is 76.4 years, which is lower than the Texas average of 79.2. Ellis County has the highest life expectancy among adjacent counties at 78.6 years, while Navarro and Limestone Counties have the lowest figures at 75.6 and 75.5, respectively. Presidio County has the longest life expectancy in the state of Texas, at 88.8, while Donley County has the shortest, at 72.8 years old.

Hill County's senior population was around 7,900 individuals aged 65 and over in 2022.

Life Insurance Facts:

  1. In 2021, 48% of Americans lacked any form of life insurance coverage.

  2. The premiums for life insurance are computed depending on the insured's age at the start of the policy. The younger you are when you buy it, the lower your premiums will be during the lifetime of the policy.

Motor Vehicle Fatalities in Hill County

In Hill County, motor vehicle fatalities occur at a rate of 25 per 100,000 cars on the road, or around 7 fatal collisions each year.

In 2020, the Texas Department of Transportation (TXDoT) reported 806 total collisions in Hill County, with 15 fatalities as a consequence. In Hill County, alcohol has been confirmed to be the leading cause of fatal collisions in more than 12% of all driving deaths.

Final Expenses – Hill County Funeral Home Cost

The cost of a funeral in and around Hill County varies substantially. The average funeral cost in Hill County is roughly $5,400, which is lower than the Texas average ($6,200), placing it fourth overall when compared to the counties in the surrounding area. The highest average funeral cost is in Johnson County, at over $6,000, whereas the lowest average funeral cost is in Limestone County, at closer to $4,800.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, the basic funeral expense may be a strain on family and friends, causing needless stress for them. Rather than dwelling on their loss, the family must concentrate on finding a way to pay the funeral home.

  2. In addition to funeral costs, the departed typically leave behind taxes and other bills that the family may have to pay.

  3. The most frequent life insurance products used to cover "final expenses" up to $50,000 are Term Life Insurance and Final Expense Insurance.

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

To find out more about life insurance in Hill County, contact a knowledgeable life insurance agent licensed in the state of Texas, who has access to multiple insurers and types of plans for consultation and advice.

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

Life Insurance in Texas

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