up button arrow
logotype
https://texasinsurance.org is a privately owned website that is not owned or operated by any government agency

Kendall County

Driving in Kendall County

Kendall County's roadways are home to an estimated 39,452 registered private and commercial vehicles. This amount roughly equates to approximately 0.17% of all vehicles registered in the state of Texas.

Around 76% of adult drivers in Kendall County commute alone, and almost 1 in 2 of these drivers spend more than 30 minutes each trip.

There are various obligations associated with driving, and having appropriate insurance is one of them. However, 20% of drivers in Texas are considered uninsured, which could result in almost 8,000 uninsured vehicles in Kendall County alone.

Auto Insurance Analysis:

  1. Insurance is necessary for Kendall County with more than 39,000 registered vehicles. The type of insurance is decided by the vehicle's categorization and intended use. Numerous types of insurance are available in Texas, and it may contain coverage for Private Auto, Commercial Auto, Commercial Transportation Inland Marine, among many others. Auto Liability is required for any vehicle on the road.

  2. Longer daily commutes increase the amount of time a motorist spends on the road, which can raise vehicle insurance rates. The longer a driver stays on the road, the more likely he or she is to be involved in a collision. To summarize, the cost of motor insurance is determined by the risk factor.

  3. Automobile insurance coverage such as Uninsured Driver Coverage, is necessary especially for Texas where one out of every five drivers is uninsured. Texas residents spend roughly $900 million each year on uninsured and underinsured driver coverage combined.

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

Texas Insurance Information Portal.svg

Car Insurance in Texas

Read more

Kendall County Housing

Similar to the rest of Texas, where most homes are owner-occupied, Kendall County's 18,095 housing unit market is split between homeowners (74%) and renters (26%). The Texas average housing units are split at 62% (Homeowners) and 38% (Renters). The surrounding counties are also predominantly made up of owner-occupied homes, with Bandera County having the highest percentage of homeownership at 85% while Bexar County has the lowest homeownership at nearly 59%.

Approximately 1 in 7 housing units in Kendall County experiences major housing issues due to high housing costs, overcrowding, a lack of plumbing, or kitchen issues.

Housing Insurance Analysis:

  1. More than 18,000 residential units in Kendall County could be insured. At the very least all owners need to insure their investments by securing Home Insurance with adequate coverage (Homeowners or Condo), and/or Business property insurance (for apartment complexes), to protect themselves against loss or damage.

  2. With nearly 5,000 homes listed as rentals in Kendall County, Landlord Insurance is recommended for all owners of those properties. This safeguards both the property and the landlord from potential liability claims.

  3. Landlords often require tenants to get renters insurance in Kendall County. A Renters Insurance policy protects their personal belongings from damage or loss. Theft and damage caused by fire, smoke, water, and vandalism are usually covered under standard renters' insurance policies.

For consultation and advice, contact a licensed and knowledgeable Property & Casualty (P&C) insurance agent to learn more about the Homeowners’ or Renters insurance in Kendall County. Look for an agent who can shop multiple insurers.

Texas Insurance Information Portal.svg

Residential Insurance in Texas

Read more

Kendall County Health

When it comes to health insurance, Kendall County is among the worst rated in the nation and one of the worst among its immediate neighbors. Over 1 in 6 adults and over 11% of the children in Kendall County are uninsured. Among the adjacent counties, Gillespie and Kerr Counties have the highest adult uninsured rate, of roughly 24%. While Comal County is stated to have the lowest at 15% uninsured adults. The highest uninsured rate in Texas is in Gaines County, at over 35%, and the lowest is in Loving County, under 12%.

Nearly 26% of Kendall County's population is physically inactive, increasing the county's risk of health concerns. Around 1 in every 7 people suffers from health problems. As a result, Kendall County has the highest obesity rate among its bordering counties, at a rate of 34%, much higher than the Texas average of 31.4 percent. On the other hand, Blanco County with nearly 22% obesity rate, has the lowest percentage among the adjacent counties.

Kendall County has at least 2 insurers that offer both on and off-state marketplace affordable and regularly subsidized Affordable Care Act (ACA) health insurance.

Health Insurance Analysis:

  1. Health insurance is the most important type of insurance to have, and nearly 7,000 people in Kendall County lack it.

  2. In Texas, residents can choose from a number of health insurance and supplemental products, including ACA Marketplace health insurance, many forms of Short-term insurance (with up to three years of coverage), Hospital Indemnity, Accident & Health, and many others.

  3. If health insurance is not being purchased due to unaffordability, low-income consumers are advised to apply for government subsidies, which can substantially lower the cost of insurance. If you do not have pre-existing conditions, Short-term insurance may help you save money. (*Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

Contact a licensed and experienced Texas health insurance agent for consultation and guidance on the various health insurance options available in Kendall County.

Texas Insurance Information Portal.svg

Health Insurance in Texas

Read more

Kendall County Mortality and the End of Life Statistics

Kendall County residents have an average life expectancy of about 81.6 years, which is higher than Texas’ average of 79.2 years, and the highest average among its peer counties. Among the neighboring counties, Gillespie County has the second-longest life span at 80.7 years. While Bandera and Bexar Counties have a similar average life expectancy as the Texas average, Kerr County has the lowest average life expectancy of 78.1 years.

In 2022, Kendall County had a senior population of nearly 10,000 people (aged 65 and above).

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have any form of active life insurance coverage.

  2. Life insurance premiums are determined by the insured's age at the time the policy is purchased. The younger you are when you purchase it, the more money you will save over the duration of the policy.

Motor Vehicle Fatalities in Kendall County

Kendall County has a rate of 15.84 motor vehicle fatalities per 100,000 vehicles on the road. This amounts to over 6 fatalities each year.

In 2020, the Texas Department of Transportation (TxDoT) reported around 780 vehicle collisions in Kendall County, resulting in 7 fatalities.

Alcohol is one of the most common reasons for car accidents. In Kendall County, nearly 38% of driving fatalities are determined to be caused by alcohol.

Final Expenses – Kendall County Funeral Home Cost

In Texas, a traditional funeral might cost between $3,000 to $11,000, which includes the basic service charge, transportation, casket, embalming, viewing, and burial. The average funeral in Texas costs approximately $6,200, which is slightly less than the average service in Kendall County, which costs approximately $6,400. Among the neighbors of Kendall County, Kerr County reports the highest average funeral cost of almost $7,000, while Blanco County funeral homes may be found to have the lowest average funeral cost at over $5,000.

In the entire state of Texas, Polk County has the highest average funeral cost at $10,900, while Kenedy and Willacy Counties have the lowest-cost average, both at around $3,200.

Life Insurance Analysis:

  1. For the 46% of Americans who die with less than $10,000 in savings, the main cost of their funeral can be a problem for those who will need to pay for it. Such expense can put a lot of stress on family and friends. Instead of mourning their loss, the family must figure out how to pay.

  2. Aside from burial expenditures, the deceased may also leave their families with debts or taxes that need to be paid.

  3. Term life insurance and Final expense insurance are the two most common types of life insurance that can cover "last expenses" up to $50,000.

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

For consultation and guidance regarding life insurance in Kendall County, contact a knowledgeable life insurance licensed agent in the state of Texas, who has access to multiple insurers and policy types.

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

Life Insurance in Texas

Read more