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Val Verde County

Driving in Val Verde County

Val Verde County has approximately 38,554 vehicles registered for both commercial and private use. These registered vehicles account for an estimate of 0.16% of all automobiles in Texas.

Every day, over 80% of Val Verde County drivers commute to work, with nearly 1 in 10 of those commutes lasting more than 30 minutes.

More than 20% of Texas vehicles are uninsured, implying that almost 8,000 Val Verde County vehicles do not have any coverage.

Liability auto insurance is required in Texas as "proof of financial responsibility," and driving without it is illegal.

Auto Insurance Analysis:

  1. Val Verde County has nearly 40,000 registered vehicles that require auto insurance. Private automobile insurance, commercial or farm automobile insurance, commercial inland marine insurance, and other forms of insurance may be required. Auto insurance may also be affected by the type of vehicle and its intended use.

  2. In Texas, where one out of every five drivers is uninsured or underinsured, uninsured driver coverage is becoming increasingly important. The cost of uninsured and underinsured motorist coverage in Texas exceeds $900 million per year.

Contact a knowledgeable Property & Casualty insurance agent who is licensed in Texas if you need advice and assistance with Val Verde County auto insurance.

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Car Insurance in Texas

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Val Verde County Housing

The housing market in Val Verde County, which has approximately 19,664 units, is divided between 64%(homeowners) and 36%(renters). The state average in Texas is closer to a 62/38 split. The surrounding counties are mostly owner-occupied homes as well, with Terrell County leading the way with more than 93% homeownership rate, making it one of the highest in the State. Edwards County trails Terrell County with nearly 86% homeownership while Val Verde County has the lowest among the neighbors.

Nearly 1 in 6 housing units in Val Verde County suffers from overcrowding, a lack of plumbing, and/or poor kitchen conditions.

Housing Insurance Analysis:

  1. Val Verde County has nearly 20,000 housing units in need of insurance. All housing units should be covered by homeowner's insurance to protect the owner's property from loss or damage (Homeowners or Condo). Apartment complexes are covered by Business Property insurance, while condo association buildings themselves are covered by a Business condo association insurance.

  2. Landlord Insurance should be obtained by property owners in Val Verde County, which has more than 7,000 rental units. Landlord insurance protects both the property and its owner from potential liabilities.

  3. Tenants typically purchase renters insurance to protect their belongings from potential damage or loss. The standard Renter's Insurance policy covers theft as well as damage caused by water, fire, smoke, and vandalism. Landlords may require renter's insurance as a condition of the lease.

Contact a Property & Casualty insurance agent who is licensed in Texas for consultation and advice on Homeowners insurance or Renters insurance in Val Verde County.

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Residential Insurance in Texas

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Val Verde County Health

Val Verde County's health insurance rating is second-worst among its neighboring counties. Uninsured adults and children account for nearly 1 in 4 of the population. This figure is higher than the state average of more than 1 in 5 (in 2021). Edward County has the highest uninsured rate (adults including children) among neighboring counties with almost 26%, while Kinney County has the lowest percentage of uninsured residents, estimated to be around 19%. Gaines County has the highest uninsured adult rate in Texas, approaching 36% while Loving County has the lowest, around 11%.

Almost 1/3 of adults in Val Verde County have a health problem. Nearly 1 out of 5 of the population is physically inactive, contributing to a 27% obesity rate, which is lower than the Texas state average of 32%. Crockett County has the highest obesity rate of any peer county, at 30%. Terrell County, on the other hand, is said to have the lowest obesity rate in the area, at 20%.

In Val Verde County, at least 1 insurer offers affordable and regularly subsidized ACA health insurance, both in and out of the state marketplace.

Health Insurance Analysis:

  1. Roughly 10,000 Val Verde County residents, adults including children do not have proper health insurance, which is the most important type of insurance.

  2. Texas is one of the states that offers a wider range of health insurance and supplemental product options, making Texas healthcare more accessible: ACA-compliant Group and Individual marketplace health insurance, various types of short-term insurance (up to three years in coverage), hospital indemnity, accident and health, and so on.

  3. Because health insurance can be prohibitively expensive, low-income individuals are encouraged to apply for government subsidies to significantly reduce the cost of insurance. If you do not have any pre-existing conditions, short-term insurance may be an option. (Note: After a full year of coverage, some multi-year short-term plans may cover specific pre-existing conditions.)

For consultation and advice on Val Verde County health insurance , contact a knowledgeable health insurance agent who is licensed in the state of Texas and has access to multiple insurers for comparison.

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Health Insurance in Texas

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Val Verde County Mortality and the End of Life Statistics

The average life expectancy in Val Verde County is estimated to be 78.5 years old, which is lower than the Texas state average of 79.2 years old. Sutton County appears to have the highest life expectancy among neighboring counties, at 83.3 years old, nearly 5 years longer than Val Verde County, while Crockett County appears to have the lowest, at 73.9 years old. Presidio County has the highest average life expectancy rate in the state, at 88.8 years, and with a life expectancy of 72.8 years, Donley County has the lowest average.

In 2022, Val Verde County had more than 7,000 senior residents (65 and older).

Life Insurance Facts:

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

  2. Premiums for life insurance are calculated based on the insured's age at the start of the policy, so the younger you are when you buy it, the less you will have to pay in premiums over the policy period.

Motor Vehicle Fatalities in Val Verde County

On Val Verde County roads each year, an average of 4-5 fatal crashes occur, resulting in a fatal crash rate of 11.67 per 100,000 vehicles on the road.

According to the Texas Department of Transportation (TxDoT), Val Verde County had 646 crashes in 2020, with 4 fatalities. Alcohol was responsible for nearly 1 in 3 of all traffic fatalities.

Final Expenses - Val Verde County Funeral Home Cost

A traditional funeral in Texas can cost between $5,000 and $12,000, while the average across the state is around $6,200, which includes basic service fees, casket, embalming, transportation, viewing, and burial.

Life Insurance Analysis:

  1. Nearly 46% of Americans die with less than $10,000 in life savings, which means that over 3,000 Val Verde County senior residents may be putting an additional burden on their family and friends with basic funeral expenses. Instead of grieving the loss of a loved one, the family must figure out how to pay.

  2. In addition to burial costs, the deceased may have left behind taxes and debts for the surviving family to deal with.

  3. The most common life insurance policies that cover "final expenses" up to $50,000 are term life insurance and final expense insurance.

  4. The most common life insurance policies that allow money to be left to family members are Term Life Insurance and Cash Value Life, such as Whole Life Insurance, Indexed Universal Life (IUL) Insurance, and Final Expenses.

Contact a Texas-licensed life insurance agent if you need life insurance consultation and advice in Val Verde County.

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

Life Insurance in Texas

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