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Jack County

Driving in Jack County

Around 7,185 private and commercial vehicles consider the roads of Jack County their home. This number accounts for approximately 0.03% of all the registered vehicles in Texas.
Roughly 85% of adult drivers in Jack County travel to and from work alone, and almost half of those commutes last for more than half an hour.
An estimate of 20% of the drivers in Texas are uninsured, and about 1,400 vehicles in Jack County alone are possibly uninsured or underinsured.

Auto Insurance Analysis:

  1. More than 7 thousand vehicles that are registered in Jack County need insurance coverage. Liability coverage is one of the requirements for all vehicles to safeguard others from possible damage that you may cause in an accident. There are multiple insurances available depending on the type of vehicle and usage. Some of these are: Comprehensive Auto, Gap Coverage, Farm or Commercial Auto, Farm or Commercial Transportation, Collision Coverage, Inland Marine, etc.

  2. Majority of the roads in Jack County are rural. Rural roads have less traffic and less potential for vehicular accidents. However, rural areas are more prone to animals getting in the way of moving cars. Most 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, Jack County residents should consider Comprehensive Auto Coverage, which helps repair the damage after hitting an animal.

  3. Uninsured Driver Coverage is becoming crucially important, with 1 out of 5 drivers in Texas being uninsured. Residents of Texas spend nearly $900 million yearly to pay for Uninsured and Underinsured Auto Coverage.
    To receive advice about auto insurance in Jack 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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Jack County Housing

Like most of Texas, Jack County’s approximately 4,215 housing unit market is dominated by Homeowners at 81% versus 19% for Rent. Within its neighboring counties, Clay County has the highest percentage of Homeowners with 84% against 16% Renters, while Montague County has the lowest rate at 72% Homeowner-occupied and 28% for Renters.

About 1 out of 10 housing units in Jack County experiences housing problems. Some of these are plumbing problems, kitchen issues, and overcrowding. In around 15% of homes, residents spend more than half of their income on housing.

Housing Insurance Analysis:

  1. More than 4 thousand housing units in Jack County need insurance coverage. This is to safeguard the underlying financial investment from possible theft or damages. All owners of these properties should have Homeowners, Condo Insurance, and/or Business Property Insurance (for apartment complexes) at the very least.

  2. Landlord Insurance is obtained by landlords to protect the property itself from possible liability claims that can arise from the tenants.

  3. Tenants usually obtain Renters Insurance coverage to safeguard their belongings from the possibility of damages or loss. Average renters’ insurance is inexpensive, and it covers the tenant’s property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Jack County require Renters insurance as part of the lease conditions.

For consultation regarding Homeowners, Renters, Condo, Flood, and other types of insurance in Jack County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

A Texas P&C Insurance Agent:

  • Examines your needs and limitations
  • Explores the plans in your area that best suit your needs
  • Lays out available options of coverage
  • Describes the effect of the different options once the insurance policy becomes active
  • Helps you with the process of application
  • Does not influence 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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Jack County Health

Jack County is rated worst among its nearby counties in terms of proper health insurance, with 1 in 4 (25%) adults uninsured — higher than the Texas average of 21%. In its neighboring counties, Young county is rated second-worst with a 24% uninsured adult rate, while Parker County holds the lowest (best) rating at 17%. The highest-rated in the entire state of Texas is in Gaines County, with roughly 36% of adults not having proper coverage, while the lowest-rated is Loving County, with only 11.4%. As of 2022, roughly 21% of adults are uninsured in Texas.

Nearly 23% of the Jack County residents report health problems.

Approximately 28% of the Jack County population does not engage in physical exercise activities, contributing to 1/4 (≈25%) of the residents being obese (with a BMI of 30 or more) — much lower than the Texas average of 31.4%. Among its nearby counties, Wise County holds the highest obesity rate at 45%, while Archer County has the second-lowest at 29%, after Jack County.

At least one health insurer in Jack County offers affordable and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Health insurance is considered the most important insurance coverage, and almost 2 thousand Jack County residents do not have proper coverage.

  2. Multiple types of health insurance and supplemental health insurance are available in the state of Texas. This makes it very convenient for Jack County residents who now have options to choose coverage that fits their specific needs (both medically and financially): Various types of Short-term insurance (up to 3 years in coverage), Marketplace ACA health insurance, Accident & Health, Hospital Indemnity, etc.

  3. For low-income consumers, applications for government health insurance subsidies are available if residents find health insurance too expensive. This will substantially lower the cost of insurance.

  4. Short-Term health Insurance can provide an alternative saving path if you do not have pre-existing conditions. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Explore your insurance needs with a state-licensed Texas health insurance professional with access to various health insurance options available in Jack County.

A Texas health insurance agent: analyzes your health insurance coverage 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.

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Health Insurance in Texas

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Jack County Mortality and the End of Life Statistics

In Jack County, the average life expectancy for residents is roughly 75 years old, which is four years lower than the Texas average (79.2 years). Within its peer counties, Archer County has the longest life span with 80.3 years, while Montague County has the shortest with 74.4 years. Presidio County holds the longest life expectancy in the entire state of Texas with 88.8 years, while Donley County holds the shortest at 72.8 years.

Around 1,500 seniors (65 and older) resided in Jack County in 2022.

Life Insurance Facts:

  1. Approximately 47% of Americans did not have an active life insurance policy in 2022.

  2. Age is the basis of Life insurance premiums, among others. If you get it at a younger age, you will save more in premiums over the course of the policy.

Motor Vehicle Fatalities in Jack County

Jack County’s motor vehicle fatalities occur at a rate of 37.07 per 100,000 vehicles. An average of around three fatal crashes yearly.

The Texas Department of Transportation (TxDoT), reported 128 crashes in Jack County in 2020, leading to zero fatalities.

Final Expenses - Jack County Funeral Home Cost

Jack County’s average funeral cost is around $4,200, which is more affordable than its neighboring counties like Parker County’s $9,000 and Archer County’s $6,600 funeral cost. The average funeral cost in Texas is around $6,200.

Among all counties in Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the most affordable average, both at around $3,200.

Life Insurance Analysis:

  1. An average of 46% of Americans die with no more than $10,000 in savings. This means that some Jack County seniors could be placing an unnecessary financial burden on their family and friends. The family frequently needs to concentrate on coming up with the funds to pay for the funeral instead of grieving their loss. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased also can leave taxes and other debt besides burial costs that the family needs to take care of. Discuss senior life insurance with a qualified agent.

  3. The most frequently used life insurance policies to cover “final expenses” up to $50,000 are: Term Life insurance and Final Expense Insurance.

  4. Term Life Insurance and Cash Value insurance, such as Whole Life insurance, Indexed Universal Life (IUL) insurance, and Final Expense, are the most used life insurance policies variations to leave money to the family.

Speak with an experienced and licensed Texas insurance professional about life insurance options in Jack County. Knowledgeable insurance professionals with access to multiple insurers can help you evaluate your needs and then offer you different solutions 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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