There are around 17,478 registered automobiles in Llano County that are registered for commercial and private use — a number that represents 0.07% of all the vehicles in the state of Texas.
Approximately 8,000 adults drive alone when they travel to and from their workplace, and nearly two out of five of them spend at least half an hour on the road.
Reports suggest that one out of five drivers in Texas gets behind the wheel without any type of auto insurance coverage, and almost 3,500 vehicles in Llano County alone could be uninsured.
Llano County has nearly 18 thousand registered automobiles, and they all require some kind of auto insurance coverage. Gap Coverage, Comprehensive Auto, and Commercial or Farm Transportation are some of the options that car owners can choose from depending on what vehicles they own and how they utilize them.
Liability Coverage is required from every vehicle owner in Texas. This would cover the costs for the repair of another driver’s vehicle and/or hospital bills if you were proven to be at fault for the accident.
Uninsured Driver Coverage is becoming more important to car owners since 20% of the drivers in Texas don’t have auto insurance. Texans spend a total of almost $900 million every year for Uninsured and Underinsured Auto Coverage costs.
To get auto insurance advice in Llano County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.
There are over 16,000 housing units in Llano County, and looking for an apartment to rent in this county can be difficult as almost 4 out of 5 properties are inhabited by the owners.
The majority of Texas is also dominated by owner-occupied homes with a rate of 62%, and Llano County’s neighbors’ respective housing markets are also mostly owner-occupied. Blanco County leads the pack with a rate of 79%, while San Saba County has the lowest owner-occupied rate at 68%.
Reports suggest that 15% of Llano County households experience housing issues like overcrowding, substandard plumbing, or kitchen problems. In approximately 15% of homes, residents allocate half of their income on housing expenses.
Almost 16 thousand homes in Llano County need insurance coverage. All owners of these properties should have at least Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes) to protect the underlying financial investment from damage or even loss.
With well over three thousand housing units in Llano County listed for rent, landlords purchase Landlord Insurance, which covers the property and any possible liability claims coming from the tenants.
Tenants, on the other hand, obtain Renters Insurance to protect their belongings from damage or loss. The average cost of this coverage is quite cheap, and it will cover the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Many landlords in Llano County include Renters Insurance as a requirement of the lease.
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 Llano County,
In Llano County, 23% of the residents (including children) do not have proper health insurance coverage. Looking at its neighbors, Mason County has the highest average uninsured at 29%, and Burney County has the lowest rate at 21% — the same as the Texas average.
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%. As of 2021, the average adult uninsured rate in Texas was approximately 20.7%.
Around 19% of Llano County residents report problems with their health, and this figure translates to over 3,500 people.
It is estimated that almost 6,000 adults in Llano County do not exercise, which is why 19% of its population are considered obese (with a BMI of 30 or more). Among the neighboring counties, San Saba County has the highest obesity rate at 21%, while Gillespie County has the lowest average at 16%.
There are at least 4 health insurers in Llano County that offer affordable and frequently subsidized ACA health insurance on and off the state marketplace.
Health insurance is the most important kind of insurance coverage, but despite this fact, more than 3 thousand residents of Llano County lack proper coverage.
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 or Individual Marketplace ACA health insurance, Various types of Short-term insurance (up to 3 years in coverage), Hospital Indemnity, Accident & Health, etc.
Understandably, health insurance can be expensive, and some individuals with low income opt not to get a policy due to unaffordability. However, they can apply for government subsidies which usually bring down the total costs of insurance for the insured.
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.)
Discuss your health insurance needs with a state-licensed Texas health insurance professional to go over your best health insurance options in Llano County.
Llano County’s average life expectancy rate is 79 years old, which is the same as the Texas average. Among the next-door neighbors, San Saba and Burnet also have a 79-year life expectancy rate which is the lowest in the group. Mason County has the highest average at 81 years.
Statewide, Presidio County has the highest life expectancy rate at 89 years, and Donley County has the lowest figure at 73 years old.
In 2022, there were approximately 8,277 seniors (65 and older) living in Llano County.
In 2021, 48% of Americans did not own any kind of life insurance coverage.
More or less 26% of Llano County residents smoke, and this habit will spike up the premiums of almost 3 thousand residents. A smoker’s life insurance premiums are up to four times more expensive than a non-smoker's, as their life expectancy is deemed shorter. It takes several years of not smoking to lower the health risk rating to be on par with a non-smoker.
If a potential policyholder wishes to save money on life insurance premiums, then they should take out the policy as early as possible. The cost of life insurance is proportionate to the potential policyholder’s age, among other factors.
Whole Life Insurance also has a cash value component, meaning that after a stated period, the policyholder can use the funds for emergency use, to pay for the premiums, or even as a tax-free income during the retirement years.
Motor vehicle fatalities in Llano County occur at a rate of 20.17 per 100,000 vehicles on the road, averaging four fatal crashes per year.
The average cost of a modest funeral in Texas is around $6,200. A funeral in Llano County, on the other hand, is a bit more expensive, at an estimated average of nearly $7,000, which is the most expensive compared to its neighboring counties. Burnet County comes in at second place with an average of $6,000, while Mason County has an average of $5,500.
In the entire state of Texas, Polk County has the highest average funeral cost at nearly $11,000,, while Kenedy and Willacy Counties have the lowest average, both at near $3,200.
With 46% of Americans dying with less than $10,000 in assets, the cost of a standard burial for nearly 4 thousand Llano County residents could fall on the shoulders of the deceased person’s friends and family. Instead of mourning their loved one’s passing, they will have to focus on figuring out how to pay for the funeral.
On top of burial expenses, the deceased could possibly leave unpaid taxes and unsettled debts, which adds to the mourning family’s woes.
Term Life Insurance and Final Expense Insurance are the most common life insurance policy types to cover "final expenses" up to $50,000.
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 (Cash Value) Life Insurance: Whole, Indexed Universal Life, and others.
Reach out to an experienced life insurance agent licensed in the state of Texas to get advice regarding life insurance in Llano County and help lighten the load for your family. Knowledgeable agents can help you evaluate your needs and then offer you multiple solutions to fill them.
The use of a Texas insurance agent typically does NOT incur additional costs to the insured.