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Kerr County

Driving in Kerr County

In Kerr County, an estimated 41,851 automobiles are registered for commercial and personal use. This figure represents ≈0.18% of all vehicles in Texas.

Approximately 79% of these car owners drive to work every day by themselves — a statistic that is almost at par with the state average for solo drivers (81%). More than one out of five of these trips take around 30 minutes or more to complete.

In Texas, one out of five vehicles does not have any kind of auto insurance coverage. This means that more than 8,000 automobiles in Kerr County are possibly without proper auto coverage.

Auto Insurance Analysis:

  1. Kerr County has nearly 42 thousand registered vehicles, and they all need at least the minimum amount of Auto Liability Coverage as required by the state of Texas. Non-owner car Insurance, Collision Coverage, Comprehensive Auto, and Commercial or Farm Transportation are only a few of the options that car owners can choose from depending on the type of vehicle they own and its intended use.

  2. Well over six thousand drivers in Kerr County spend at least half an hour on the road for five days a week. This increases the probability of them getting involved in a traffic accident and, in turn, raises the auto insurance premiums that they have to pay.

  3. Over 8 thousand automobiles in Kerr County are uninsured despite the fact that is a requirement by the state. This is why having Uninsured Motorist Coverage is becoming more and more vital in Texas. It is estimated that $900 million are spent annually by Texas residents for Uninsured and Underinsured Auto Coverage costs.

To get expert auto insurance advice in Kerr 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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Kerr County Housing

Just like the majority of Texas, Kerr County’s approximately 25,534 housing unit market consists mainly of properties occupied by the owners themselves at an average of 71%, which is the lowest rate compared to its peer counties. Edwards County leads the pack with 86% of the homes occupied by the owners, and Bandera County comes in at a close second place at 85%.

More than one out of eight housing units in Kerr County experiences housing issues, overcrowding, substandard plumbing, or problems with the kitchen. In approximately 15% of homes, residents allocate half of their income to housing expenses.

Housing Insurance Analysis:

  1. Over 25 thousand housing units in Kerr County need insurance coverage. All owners of these properties should at least have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes) to safeguard the underlying financial investment from potential damage or even loss.

  2. With over 7 thousand housing units in Kerr County as rentals, it is in a landlord’s best interest to purchase Landlord Insurance, which covers the property being rented out 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 total loss. The average cost of this coverage is quite inexpensive and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Some landlords in Kerr County may require Renters insurance as a lease condition.

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 Kerr 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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Kerr County Health

Almost one-fourth of Kerr County residents do not have health insurance, while most counties in Texas have a 21% uninsured rate (one-fifth). But when compared to its surrounding counties, Kerr County’s uninsured rate isn’t that bad. Edwards County has the worst rate at 26%, while Kendall County is doing well, with only 17% of its residents not having health insurance coverage.

Gaines County has the highest adult uninsured rate in Texas 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%.

Almost one in five Kerr County residents report problems regarding their health, which translates to around 8,380 people. But given that 1/4 of the population are physically inactive, it’s not much of a surprise.

Nearly 24% of Kerr County residents are considered obese (with BMI of 30 or more), which is significantly lower than the Texas average of 31%. Looking at Kerr County’s next-door neighbors, Kendall County has the highest obesity rate at 34%, while Real County has the lowest average at 20%.

There are at least two health insurers in Kerr 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 over 9 thousand residents of Kerr County lack proper coverage.

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

  3. 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.)

  4. One of the main reasons why 9 thousand Kerr County residents do not have this coverage is because they may not be able to afford it. Such individuals may qualify for government subsidies that can help with or almost completely eliminate the out-of-pocket costs of health coverage.

Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Kerr 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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Kerr County Mortality and the End of Life Statistics

The average life expectancy rate for the entire state of Texas is 79 years old, and Kerr County is not too far from that figure with a 78-year average. Compared to its peer counties, Kendall County has the highest average at 82 years old, while Kimble County has the lowest life expectancy rate at 75 years.

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

In 2022, there were approximately 14,939 seniors (65 and older) that called Kerr County their home.

Life Insurance Facts:

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

  2. Life insurance premiums are based on many factors, but age is among the most significant ones. The older the potential policyholder is, the higher the premiums are. So taking out a life insurance policy at a young age can save the insured a significant sum of money.

Motor Vehicle Fatalities in Kerr County

Motor vehicle fatalities in Kerr County occur at a rate of 15.57 per 100,000 vehicles on the road, averaging six to seven fatal crashes per year.

In 2020, the Texas Department of Transportation (TxDoT) reported 838 total crashes in Kerr County, which led to 13 fatalities. Almost 28% of fatal car crashes in Kerr County involved alcohol.

Final Expenses – Kerr County Funeral Home Cost

The average cost of a funeral in Texas is around $6,200, and Kerr County’s average funeral cost is only half of this amount at more than $3,000. On the other hand, Kendall County is considered as the neighboring county with the most expensive funeral cost, with an average of almost $6,500. Gillespie County shares Kerr County’s average, and that figure is deemed as the most affordable within the peer counties.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in assets, the cost of a standard burial for almost 15 thousand Kerr County residents could fall on the shoulders of the friends and family of the deceased. 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 Term Life Insurance and variations of Permanent Life Insurance.

Reach out to a knowledgeable and experienced life insurance agent licensed in the state of Texas to assess your needs and provide advice regarding life insurance options in Kerr County.

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

Life Insurance in Texas

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