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Van Zandt County

Driving in Van Zandt County

There are approximately 45,907 private and commercial vehicles that consider the roads of Van Zandt County their home. This number constitutes 0.20% of all the registered vehicles in the entire state of Texas.

Almost 81% of adult drivers in Van Zandt County travel to and from work alone and more than 1/2 of those commutes last for over 30 minutes.

Approximately 20% of all drivers in Texas are not insured, and more than 9,000 vehicles in Van Zandt County alone may be uninsured.

Auto Insurance Analysis:

  1. In Van Zandt County, nearly 46,000 registered vehicles require some type of insurance coverage. It is determined by the type of vehicle and its use. The required insurance may be: Comprehensive Coverage, Inland Marine, Farm Auto, Collision Coverage, etc. Liability coverage is required for all vehicles on the road.

  2. Almost 18,000 Van Zandt County residents take longer daily commutes, increasing the possibility of a vehicular accident due to the time spent on the road. Therefore, the price of auto insurance increases.

  3. Uninsured Driver Coverage is crucial in Texas, with 1 out of 5 drivers uninsured. Texans spend almost $900 million annually to pay for Uninsured and Underinsured Auto Coverage.

To discuss auto insurance in Van Zandt County, contact a Property & Casualty (P&C) insurance agent licensed in the state of Texas.

Van Zandt County Housing

Much like the majority of Texas, Van Zandt County’s 24,015 housing unit market is dominated by Homeowners with 78% against 22% for Renters. The neighboring counties mainly consist of homes occupied by owners as well, with Wood County leading at around 80%, while Smith County has the least at 66% owners and 34% renters.

More than 1 out of 8 housing units in Van Zandt County encounter housing problems like lack of plumbing, kitchen issues, or overcrowding. Roughly 15% of homes spend more than half of their income on housing.

Housing Insurance Analysis:

  1. Over 24 thousand housing units in Van Zandt County need insurance coverage. All owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes) at the very least. This insurance coverage safeguards the underlying financial investment from possible loss or damage.

  2. With more than 5,000 housing units as rentals, landlords secure Landlord Insurance, which covers their property itself and from the possible liability claims arising from the tenants.

  3. To protect their belongings from damages or loss, tenants usually obtain Renters Insurance coverage. Average renters’ insurance is more affordable and usually covers the tenant’s property from theft and damages caused by vandalism, water, smoke, fire. Renters insurance is one of the lease conditions to some of the landlords in Van Zandt County.

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

A Texas P&C Insurance Agent:

  • Looks over your needs and restrictions
  • Explores available plans in your area that fit your needs
  • Provides all the available options of coverage.
  • Helps you with the application process
  • Describes the effect of the different options once the insurance policy is started
  • Does not affect your cost of insurance. (agent’s service is paid by the insurer)

Van Zandt County Health

With nearly a quarter of adults and over 13% of all children without proper health insurance, Van Zandt County is the worst-ranked among its neighboring counties. ,. Coming in second-highest for adult uninsured rate is Henderson County with 23% and over 12% for children. On the other hand, Kaufman County has the lowest uninsured rate among its peer counties at 17%. Gaines County is rated highest in the entire state of Texas for the uninsured adult rate with roughly 36% of its residents, and Loving County with the lowest rate at 11.4%. As of 2022, over 5 million average adults are uninsured in Texas.

Over 21% of adults in Van Zandt County have health issues. That is over 9,000 people.

Approximately 27% of the residents of Van Zandt County do not engage in physical exercise activities, contributing to more than 1/3 of the residents being obese (BMI of 30 or more). That is 4% higher than the Texas average. In the neighboring counties, Rains county has the lowest obesity rate at 27%, and Kaufman County holds the highest at 40%.

There is at least 1 health insurer in Van Zandt County that offers inexpensive and frequently subsidized ACA health insurance, on and off the state marketplace.

Health Insurance Analysis:

  1. Over 11 thousand of Van Zandt County residents lack the most important insurance coverage.

  2. Multiple types of health insurance and supplemental products are offered in the state of Texas. This is very convenient for Texans who now have options to choose coverage that fits their specific needs (both medically and financially): Various types of Short-term insurance (up to 3 years in coverage), Marketplace ACA health insurance, Accident & Health, Hospital Indemnity, etc.

  3. Government subsidies are offered to low-income consumers who find health insurance too expensive. This is to substantially lower the cost of insurance.

  4. Short-term insurance may provide an alternative option if you do not have a pre-existing condition. (*Some Texas multi-year short term health insurance plans may cover certain pre-existing conditions after a year or more of coverage).

Talk with a state-licensed Texas health insurance professional with access to multiple health insurance options available in Van Zandt County.

Van Zandt County Mortality and the End of Life Statistics

Van Zandt County residents have an average life expectancy of 76.6 years of age. This is lower than the Texas state average of 79.2. Nearby Wood and Kaufman Counties also share the same life span of 76.6. Smith County has the highest average life expectancy (78.1), while Henderson shows the lowest among the neighbors (74.9). Presidio County projects the highest life expectancy (88.8) in the state, while the lowest of 72.8 years is in Donley County.

There were nearly 12,000 seniors (65 or older) living in Van Zandt County in 2022.

Life Insurance Facts:

  1. Around 48% of Americans did not have any kind of life insurance policy.

  2. Life insurance premiums allow you to save more over the duration of the policy when you get it at an earlier age. It is based on the age of the insured when the policy begins.

Motor Vehicle Fatalities in Van Zandt County

Approximately 13-14 vehicular fatalities happen on the roads of Van Zandt County yearly, at a rate of 28.6 per 100,000 cars.

The Texas Department of Transportation (TxDoT), reported 710 crashes resulting in 17 deaths in Van Zandt County in 2020. Alcohol is the main reason for the fatal crashes in Van Zandt County with almost 12% of all driving fatalities.

Final Expenses - Van Zandt County Funeral Home Cost

There is a drastic difference between funeral expenses in and around Van Zandt County. The County’s average funeral cost is closer to $5,300 which is the lowest among its peer counties; Smith County has the highest average funeral cost of over $7,600, with Henderson coming in second with almost $7,000, both significantly higher than the state’s average of $6,200.

Life Insurance Analysis:

  1. Around 46% of dying Americans have less than $10,000 in their savings, which means over 5 thousand Van Zandt County senior residents may be placing an additional financial burden of funeral costs on their families. Instead of grieving, they must find ways to pay. (Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

  2. The deceased frequently leaves behind not only the burial cost for the family, but also taxes and other debt to be taken care of as well.

  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 typical 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.

To find out more about life insurance options that fit your needs, talk with a knowledgeable Texas life insurance professional, who has access to multiple insurers and types of plans.

The use of a Texas insurance agent typically does NOT incur additional costs to the insured.