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Limestone County

Driving in Limestone County

There are at least 18,350 vehicles in Limestone County, Texas, which accounts for around 0.08% of all registered automobiles in the state. Over 86% of Limestone County drivers commute to work, and more than one-fourth of them commute for over 30 minutes daily.

An estimated 20% of Texas drivers are uninsured, with possibly almost 4,000 vehicles uninsured or underinsured in Limestone County alone.

Auto Insurance Analysis:

  1. Over 18 thousand automobiles registered in Limestone County need insurance coverage. The required insurance coverage is based on the use of the automobile and its type. Private Auto, Farm or Commercial Auto, Farm or Commercial Transportation, and Inland Marine are some types of auto insurance coverage. Auto Liability, on the other hand, is required by law for all vehicles on the road.

  2. Driving without insurance is not only risky, but it is also illegal in the state of Texas. Depending on how many times you’ve been caught driving without insurance, you will be fined, your vehicle may be seized, and your license may be suspended.

  3. Uninsured Driver Coverage is becoming more and more important because of the number of uninsured drivers in Texas. Residents of Texas spend almost $900 million every year on Uninsured and Underinsured Coverage.

To discuss your auto insurance in Limestone County, contact a Property & Casualty (P&C) insurance agent licensed in Texas.

Limestone County Housing

Limestone County has approximately 10,918 housing units, with homeowners occupying over 74% of these units and renters accounting for 26% of the housing market. The average in Texas is closer to a 62/38 split. Comparing the neighboring counties, Freestone and Leon Counties have the largest percentage of homeowners (77%). McLennan County, with a 59% homeownership rate, is the neighboring county with the lowest homeownership proportion, where nearly every other housing property is a rental. The majority of the neighboring counties’ residential units are mostly occupied by the homeowners.

Approximately 15% of the housing units in Limestone County are experiencing housing issues due to overcrowding, lack of plumbing, or issues with the kitchen. In approximately 15% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis:

  1. Over 10 thousand housing units need insurance coverage in Limestone County. Homeowner and Condo Insurance, and/or Business Property Insurance (for apartment complexes) are needed for these housing units for the protection of the owners of these investments from damage/loss.

  2. There are almost 3 thousand rental units in Limestone County, and landlords usually have Landlord Insurance which protects the property itself from the tenant's claims.

  3. Tenants purchase Renters Insurance to protect their valuables from damage or loss. Renters' insurance is typically inexpensive and covers the tenant's property against theft and damage caused by fire, smoke, water, and vandalism.

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

Limestone County Health

Limestone County has a higher insurance rate compared to the state average. Almost 1 in 4 (≈23%) of the residents in Limestone County under the age of 65, including children, are uninsured. This percentage is higher than the state average of 21%, in 2021. Leon County has the highest uninsured rate at 26%, among surrounding counties, followed by Navarro County at 24%.

The highest uninsured 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%.

Over one-fourth of Limestone County’s residents are in poor health — this translates to nearly 5,000 residents.

There are more than 6,000 residents in Limestone County that are physically inactive, and 42% of the population being obese, which is a lot more than the state average of 31.4%. Comparing the neighbors, Limestone and Robertson Counties have the highest percentage, while Falls County has the lowest figure at 29%.

There are 4 health insurers in Limestone County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.

Health Insurance Analysis:

  1. The most important insurance coverage is health insurance, and over 4,000 residents of Limestone County do not have proper coverage.

  2. Texas is one of the states that allows different types of health insurance and additional supplemental plans to be sold. This makes it easier for Texans to choose the coverage that meets their unique needs. These coverages are Affordable Care Act (ACA) health Insurance, several types of Short-Term Insurance, Hospital Indemnity, Accident & Health, and so on.

  3. If low-income consumers can not purchase health insurance because it is too expensive, they should apply for government subsidies, which can greatly reduce or even almost eliminate the cost of insurance.

  4. Short-Term Health Insurance and the corresponding supplemental policies may give another option in terms of saving money, if there are no pre-existing conditions.

Discuss your health insurance needs with a state-licensed Texas health insurance professional with access to a variety of health insurance options available in Limestone County.

Limestone County Mortality and the End of Life Statistics

Limestone County residents have a life expectancy of 75.5 years, which is lower than the Texas average of 79.2. It is also the lowest among its neighboring counties, with Navarro County coming in at a close second at 75.6 years. Leon and McLennan Counties have the highest life expectancy in the region with 77.8 years.

In 2022, there were over 4,600 seniors in Limestone County.

Life Insurance Facts:

  1. In 2022, 47% of Americans did not have an active life insurance policy of any type.

  2. Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums throughout the policy’s lifespan.

Motor Vehicle Fatalities in Limestone County

Motor vehicle fatalities occur at a rate of about 23.15 per 100,000 vehicles on the road in Limestone County. This amounts to an annual average of nearly 4-5 fatal collisions.

In 2020, Limestone County had 342 crashes, with a resultant of 7 fatalities, according to the Texas Department of Transportation (TxDoT). Alcohol has been determined to be the primary cause of ≈32% of all fatal crashes in Limestone County.

Final Expenses - Limestone County Funeral Home Cost

The average price of a funeral in Limestone County is almost $5,000. Comparatively, the average across Texas is closer to $6,200. Among the neighbors, Freestone County has the highest funeral home cost of $6,200, while the lowest is Hill County with $5,500.

In the entire state of 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. With 46% of Americans dying with less than $10,000 in assets, the cost of a basic burial can become a concern to the senior residents of Limestone County, putting an unwelcome and often unpleasant strain on family and friends. Rather than mourning their loss, the family must concentrate on determining how to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. Aside from the costs of burial, the departed frequently leave behind taxes and other debts for the family to deal with.

  3. Term Life Insurance and Final Expense Insurance are the most commonly utilized life insurance policies 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: Whole, Indexed Universal Life, and others.

For a consultation and advice about life insurance options in Limestone County, contact a knowledgeable life insurance agent licensed in the state of Texas. An experienced agent can help you evaluate your needs and then offer you multiple solutions to fill them.