DeKalb County

DeKalb County - Health Statistics and Analysis

Around 21 percent of adults living in DeKalb County under the age of 65 do not have proper health insurance, which is above the state’s average of 19 percent. In the area, Fulton County and Henry County have the lowest figures, while the highest percentage of uninsured adults is seen in Clayton County.

In the state of Georgia, Oconee County has the lowest uninsured adult rate of 11%, while the highest rate is seen in Colquitt County (30%).

More than 19 percent of adults in DeKalb County encounter health problems. Around 27 percent of the DeKalb County population do not exercise regularly. Roughly 33 percent of adults living in DeKalb County are obese (with a BMI of 30 or more), which is similar to the state average of 33 percent. Fulton County’s 29 percent obesity rate is the lowest among the neighbors, and Clayton County’s 40 percent obesity rate is considered to be the highest.

In 2022, 109,886 DeKalb County residents were registered in Medicare, with the following utilization:

At least 11 health insurance companies provide inexpensive and often subsidized ACA health insurance in DeKalb County, on and off the federally-operated Georgia health insurance marketplace. In 2022, roughly 50 thousand DeKalb County residents were enrolled in private individual-market ACA plans.

Health Insurance Analysis

1. Health insurance is the most essential insurance coverage, and around 135 thousand adults residing in DeKalb County lack this necessity.

2. Health insurance in DeKalb County: Georgia is among the states that allow the sale of several types of health insurance and supplemental health insurance. This makes it easier for DeKalb County residents to obtain coverage that suits their specific needs (both medically and financially):

   • Group or Individual Marketplace ACA health insurance,

   • Various types of Short Term insurance (up to 3 years in coverage),

   • Hospital Indemnity insurance,

   • Accident & Health insurance, etc.

3. Low-income health insurance: If health insurance is not being purchased due to unaffordability, low-income residents of DeKalb County are usually advised to apply for government health insurance subsidies, which can significantly lessen the health insurance cost.

4. If you do not have pre-existing conditions, short-term health insurance may offer an alternative saving path.

Note: Some Georgia 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 an expert state-licensed Georgia health insurance professional with access to a variety of health insurance plans available to DeKalb County residents. Offerings of health insurance coverage and its costs may differ between zip codes.

DeKalb County - Driving Statistics and Analysis

There are around 615,430 private and business automobiles registered in DeKalb County. This figure represents about 7% of all vehicles registered in the entire state of Georgia.

Approximately 70 percent of adults in DeKalb County drive to work alone. Half of those daily commutes last more than 30 minutes.

Motor Vehicle Crashes in DeKalb County

Vehicular accidents in DeKalb County statistically result in deaths at a rate of 11 per 100 thousand vehicles on the road: around 68 fatal crashes per year.

In 2021, the Georgia Department of Transportation (GDOT) reported 38,692 vehicular accidents in DeKalb County that led to 16,947 injuries and 169 fatalities. On the other hand, 242 motorcycle crashes were recorded that same year which led to 185 injuries and 16 fatalities.

Over 23% of casualties in DeKalb County are caused by alcohol-impaired driving.

Auto Insurance Analysis

1. Approximately 615 thousand automobiles registered in DeKalb County need insurance coverage: Property Damage and Bodily Injury Liability are required for all motor vehicles on the road. Depending on the type of vehicle and its use (commercial or private), the additional required insurance may be:

   • Private Auto,

   • Commercial Auto,

   • Comprehensive Coverage,

   • Non-owners car insurance,

   • Commercial Transportation,

   • Inland Marine,

   • Gap,

   • Ride-sharing,

   • Short-term car insurance, and so on.

2. Car insurance in DeKalb County: Around 341 thousand local vehicles share the roads of DeKalb County on a daily basis, and this is one of the key factors that raise auto insurance premiums in the county. Everyone operating a separate automobile increases the probability of a vehicular collision, which in turn, raises the auto insurance premium rates.

3. With 12 percent of Georgia’s motorists uninsured, it is possible that approximately 74 thousand motor vehicles in DeKalb County do not have sufficient auto insurance coverage. This emphasizes the need for Uninsured Motorist coverage.

To know more about your auto insurance needs and to find affordable car insurance in DeKalb County, contact a proficient Property & Casualty (P&C) insurance agent licensed in the state of Georgia.

DeKalb County - Housing Statistics and Analysis

In 2022, 56% of DeKalb County’s estimated 325 thousand residences were owner-occupied. This is similar to the majority of Georgia, where most (65%) of its homes are also occupied by homeowners. Comparing the neighboring counties, Henry County has the most owner-occupied homes, while Clayton County has the highest ratio of renters.

Across the state of Georgia, the highest proportion of owner-occupied homes is found in Harris County, over 89%, while Chattahoochee County has the highest (76%) percentage of renters.

In DeKalb County, around 18 percent of residences encounter housing problems, poor plumbing, overcrowding, or issues with the kitchen. In 1 out of 6 dwellings, residents spend over half of their earnings just on housing.

Housing Insurance Analysis

1. Over 300 thousand homes in DeKalb County needed insurance coverage in 2022. At a minimum, all owners of these properties should have:

   • Homeowners,

   • Condo insurance, and/or

   • Business property insurance (for multi-housing units) to protect the underlying financial investment from possible loss or damage.

2. With around 143 thousand housing units in DeKalb County as rentals, landlords get Landlord Insurance, which covers the property itself and from the possible liability claims arising from the tenants and their guests. If you rent your home, your insurer must know about it or your claims can be rejected.

3. Renters insurance in DeKalb County: Tenants buy Renters Insurance coverage to protect their belongings from possible damage or loss while living in a rented space. Average renters’ insurance is affordable and usually covers the tenant's property from theft and damages caused by fire, smoke, water, and vandalism. Most landlords in DeKalb County will require Renters insurance as a stipulation of the lease.

For consultation and to get a quote on Homeowners, Renters, Condo, Flood, and other types of insurance in DeKalb County, contact a Property & Casualty (P&C) insurance agent licensed by the state of Georgia.

DeKalb County - End of Life Statistics and Analysis

Residents of DeKalb County have average life expectancies of around 79.9 years old, which is higher than the Georgia state average of 77 years. In the area, Gwinnett County has the highest average life expectancy, while Clayton County has the lowest among the group.

The lowest average life expectancy in the state of Georgia is found in Miller County, at 69.5 years, while the longest life span is in Forsyth County (82.3).

In 2022, there were around 102,000 senior residents (65 and older) in DeKalb 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 starts, among other aspects. The younger you are when you lock in your best rate, the more you save in premiums over the lifespan of the policy.

3. 15 percent of the adults in DeKalb County smoke, and this lifestyle will likely affect the life insurance costs of approximately 88 thousand adults who may have to pay up to 4 times compared to non-smokers. A smoker’s life expectancy is considered shorter, making them more of a risk than people who do not smoke.

4. Besides the death benefit, Cash Value life insurance can be used for Living Benefits by the insured while they are still alive, to borrow against it, or even used as a source of tax-free retirement income.

DeKalb County - Funeral Expenses Statistics and Analysis

The average price of a funeral in DeKalb County is around $7,800, which is higher than the Georgia state average of $5,900. In the region, Rockdale County has the highest funeral cost average ($9,600), while the most affordable funerals are found in Clayton County ($5,600). Statewide, Jefferson County is observed to have the most affordable funerals (averaging $4,000), while the highest average price for a funeral in the state of Georgia is in Jones County, with an average of around $11,700.

Life Insurance Analysis

1. With 46% of Americans dying with savings below $10,000, roughly 47 thousand seniors living in DeKalb County could be placing the unneeded and frequently unmanageable financial burden on family and friends. While grieving their loss, not only does the family need to plan the funeral, but quite often, it also needs to pay for it too.

(Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)

2. Besides the burial costs, the deceased frequently leave taxes and other liabilities behind for the family to take care of. Discuss your senior life insurance options with a licensed Georgia life insurance professional.

3. The most commonly used life insurance policies to cover “final expenses” up to $50,000 are: Term Life Insurance and Final Expense (also known as Burial insurance).

4. Indexed Universal Life (IUL) is the most common life insurance policy to use for its living benefits and to help with funding the retirement.

5. The most often 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, Final Expense (FE), and several Universal Life insurance policies.

Life insurance in Brookhaven: To find out more about life insurance options and to get life insurance policy quotes in DeKalb County, consult with a knowledgeable state-licensed and seasoned life insurance professional who has access to multiple insurers and plan types for comparison.

DeKalb County - Business

Commercial insurance needs differ between each of the estimated 18 thousand business establishments in DeKalb County. The largest job-creating sectors are:

• Health Care & Social Assistance

• Professional, Scientific, & Technical Services

• Retail Trade

Commercial Insurance Analysis

1. Every business in DeKalb County needs some type of insurance based on what it does and the amount of people it employs. The coverage mostly falls into:

   • Commercial Property (real estate, vehicles, equipment, inventory, etc),

   • Business Liability, and

   • Employee Protection and Benefits, such as:

     • Health insurance,

     • Life insurance,

     • Disability insurance,

     • Workers’ Compensation insurance, and

     • Unemployment insurance.

2. Health care professionals can benefit from Medical malpractice coverage, which protects both the patients and the insured medical professionals.

3. Professional services and consulting businesses in DeKalb county can benefit from professional liability insurance, also known as Errors and Omissions insurance (E&O insurance), that protects them and their clients in case the professional advice they give causes damages or losses.

4. Retail businesses typically insure all business-owned or leased property and the employees. Besides that, every customer-facing operation typically requires liability insurance, in case the visitor gets hurt on the premises or by using the product.

To evaluate your business insurance needs in DeKalb County and to get a commercial insurance quote, speak with a knowledgeable Georgia-licensed commercial insurance agent with access to several insurers and premium financing options. Always try to compare at least 2 or 3 plans before deciding on the coverage.

DeKalb County - Insurance Help

By speaking with an insurance agent licensed to help DeKalb County’s residents and businesses, expect the agent to do the following for you:

• analyze your needs and restrictions,

• review your current policy to make sure that the coverages are reflective of the current needs and the local insurance market. If updates are needed, the agent help to enact them,

• research the locally available plans that fit your needs and is usually able to find a better deal than what a consumer can find on their own,

• check for available savings and bundling discounts,

• provide you with the available options of coverage,

• explain how the differences between the options affect you once you start using each insurance product,

• assist you with the application process and getting quotes,

• answer all of your questions about coverages and costs - as it pertains to your specific situations

• conduct annual review of your policies, to make sure that the existing coverages meet your current insurance needs.