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Medina County

Driving in Medina County

In Medina County, approximately 41,771 vehicles are registered for commercial and private use. These vehicles account for around 0.18% of all automobiles registered in Texas.

Over 79% of adult drivers in Medina County commute to work every day, with more than half of those commutes lasting more than 30 minutes.

Over 20% of Texas vehicles are uninsured, implying that there could be over 8,000 uninsured or underinsured vehicles in Medina County.

Auto Insurance Analysis:

  1. Medina County has almost 42 thousand registered vehicles, all of which require insurance coverage of some type. The following types of insurance may be necessary, depending on the type of vehicle and its intended use: Private Auto, Farm Auto, Comprehensive Auto, Non-owner Car Insurance, and Ride-sharing Coverage are some of the examples. Auto Liability is required for all vehicles on the road.

  2. By increasing the amount of time a driver spends on the road, longer daily journeys can increase vehicle insurance premiums. A driver's time on the road increases the likelihood that they may be involved in an automobile accident. To recapitulate, the cost of auto insurance is determined by the risk factor.

  3. Uninsured Driver Coverage is becoming more critical in Texas, where 1 in every 5 drivers is either uninsured or underinsured. Texans spend more than $900 million every year on Uninsured and Underinsured Motorist coverage.

  4. Majority of Medina County roads are rural. Rural roads have less traffic and less potential of a vehicular collision. Meanwhile, rural areas are more prone to animals getting in the way of moving cars. The majority of 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, Medina county residents should consider Comprehensive Auto coverage, which helps in repairing the damage after hitting an animal.

To discuss your auto insurance in Medina 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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Medina County Housing

Similar to the rest of Texas, where the majority of housing units are owned, Medina County's 19,152 housing units are divided between homeowners (over 80%) and renters (at almost 20%). Bandera County has the highest percentage of owner-occupied homes at over 85%, while Bexar County has the lowest rate at nearly 59%.

Housing problems, such as overcrowding, a lack of plumbing, or kitchen problems, affect roughly 1 in every 8 housing units in Medina County. Around 15% of households spend more than half their income on housing costs.

Housing Insurance Analysis:

  1. Over 19 thousand housing units in Medina County require insurance coverage. All owners of these properties should obtain Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes) to protect the underlying financial investment from any loss or damage.

  2. With nearly 4 thousand rental units in Medina County, landlords are encouraged to acquire Landlord Insurance, which protects both the property and the landlord from potential liability claims made by renters.

  3. Renters Insurance should be purchased by tenants to protect their assets from damage or loss. Renters' insurance is often affordable and protects the tenant's property from theft and damage caused by fire, smoke, water, and vandalism. Some Medina County landlords may need Renters Insurance as a lease condition.

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

A Texas P&C Insurance Agent:

  • analyzes your needs and restrictions,
  • researches the locally available plans that fit your needs,
  • provides you with the available options of coverage,
  • explains how the differences between the options affect you once you start using each insurance product
  • assists you 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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Medina County Health

Medina County has a better rate of insurance than the state average and is the highest among its neighbors. Roughly 1 in every 6 adults and nearly 12% of all children in Medina County lack health insurance. Uvalde County has the highest adult uninsured rate among the surrounding counties, at approximately 25%, which is significantly higher than the Texas average. Bexar County, behind Medina County, has the second-lowest adult uninsured rate (19%). Gaines County has the highest rate of uninsured adults in Texas, nearly 36%, while Loving County has the lowest, 11.4%. In 2021, Texas's average adult uninsured rate was approximately 20.7%.

In Medina County, over 1 in 5 adults has a health problem. That equates to almost 9,000 people.

20% of the population in Medina County does not engage in any form of physical activity.

In Medina County, approximately 37% of the population is considered obese (with a BMI of 30 or more), which is much higher than the Texas average of 31.4% in. Bandera and Frio Counties both have the lowest obesity rate of the neighboring counties - around 29%. While over 40% of adults from Atascosa County may be considered obese.

At least 2 health insurers in Medina County, both on and off the state marketplace, provide affordable and frequently subsidized ACA health insurance.

Health Insurance Analysis:

  1. While Health Insurance is the most vital sort of insurance, more than 8,000 Medina County residents lack access to this critical coverage.

  2. Texas is one of the states that allows the selling of various health insurance and supplemental goods. This makes it easier for Texans to find coverage that matches their specific needs (both medical and financial): Group or Individual Marketplace ACA health insurance, several types of Short-term insurance (up to three years of coverage), Hospital Indemnity, Accident and Health insurance, and other services are available.

  3. If low-income individuals are unable to purchase health insurance due to the cost, they should apply for government subsidies, which can drastically reduce the cost of insurance.

  4. If you do not have any pre-existing problems, Short-term insurance may be an option for you. (* Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage)

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

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Health Insurance in Texas

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Medina County Mortality and the End of Life Statistics

Medina County residents have a life expectancy of roughly 78.7 years, which is nearly identical to the Texas average of 79.2. Among the neighboring counties, Bandera, Bexar, and Atascosa Counties have similar life expectancies to Medina County. Presidio County has the highest life expectancy in the state of Texas, at 88.8, while Donley County has the lowest, at 72.8 years old.

In 2022 there were over 9,000 seniors (65 and older) residing in Medina County.

Life Insurance Facts:

  1. In 2021, 48% of Americans did not have an active life insurance policy of any type.

  2. Life insurance premiums are calculated based on the insured's age at the start of the policy. The younger you are when you get it, the less you will pay in premiums during the duration of the insurance.

Motor Vehicle Fatalities in Medina County

In Medina County, motor vehicle fatalities occur at a rate of 17.36 per 100,000 vehicles on the road, for a total of over 7 fatal crashes every year.

Over 700 crashes were reported in Medina County by the Texas Department of Transportation (TxDoT) in 2020, resulting in the deaths of 8 people. Alcohol is a significant contributing factor in fatal crashes in Medina County, accounting for more than 25% of all driving fatalities.

Final Expenses – Medina County Funeral Home Cost

Funeral services in and around Medina County can be rather costly. Medina County's average funeral expense is roughly $8,400, making it the most of any county in the surrounding area. Atascosa County's average funeral cost is over $6,600, making it the area's second most expensive county behind Medina County. On the other hand, Uvalde County has the lowest average funeral expense among the adjacent counties, hovering at $5,300.

Life Insurance Analysis:

  1. With 46% of Americans dying with less than $10,000 in savings, over 4,000 Medina County senior residents may be putting an unwanted and often unbearable financial strain on family and friends. Instead of focusing on their loss, the family must focus on finding a way to pay. (Note: If paying for funeral services with life insurance, most funeral houses require the policy to be "assignable.")

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

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

Speak with a licensed Texas insurance professional about life insurance options in Medina County.

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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