Hall County

Hall County - Health Statistics and Analysis

More than one-fourth of adult residents in Hall County do not own proper health insurance coverage – this rate is 7 percentage points greater than the state average (19%) in Georgia. Hall County has the highest percentage of uninsured adults among its adjacent counties, while Forsyth County has the lowest figure.

Across Georgia, the highest uninsured adult rate is in Colquitt County, with nearly 30%, while the lowest rate is observed in Oconee County, at around 11% of the adult residents.

In Hall County, over 1 in 5 of the adult population report problems with health. Their health issue partially stemmed from the fact that nearly 32% of residents are physically inactive. Obesity (with a BMI of 30 or more) is also a problem among the estimated 34% of adult residents in Hall County, which is similar to Georgia’s 33% average. Forsyth County’s 27% obesity rate is the lowest among the neighbors, followed by Dawson County and White County both at 30%.

In 2022, 37,443 Hall County residents were enrolled in Medicare, with the following utilization:

At least 11 health insurance companies offer affordable and frequently subsidized ACA health insurance in Hall County, on and off the federally-operated Georgia health insurance marketplace. In 2022, nearly 14 thousand Hall County residents were enrolled in private individual-market ACA plans.

Health Insurance Analysis

1. Health insurance is the most important insurance coverage, and more than 46 thousand adult Hall County residents lack this necessity.

2. Health insurance in Gainesville: Georgia is among the states that allow the sale of multiple types of health insurance and supplemental health insurance. This makes it easier for Hall County residents to obtain coverage that fits 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 Hall County are generally advised to apply for government health insurance subsidies, which can substantially lower the health insurance cost.

4. If you do not have pre-existing conditions, short-term health insurance may provide 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 a knowledgeable state-licensed Georgia health insurance professional with access to a variety of health insurance plans available to Hall County residents. Offerings of health insurance coverage and its pricing may differ between zip codes.

Hall County - Driving Statistics and Analysis

Hall County’s roads are home to an estimated 168,236 private and commercial vehicles. This figure accounts for approximately 2% of all vehicles registered in the entire state of Georgia.

Nearly 4 in 5 adult drivers in Hall County commute to work by themselves. Due to heavy traffic, around 35% of those commutes last for over 30 minutes.

Motor Vehicle Crashes in Hall County

Motor vehicle fatalities in Hall County statistically occur at a rate of 13 per 100,000 vehicles on the road: approximately 22 fatal crashes per year.

According to the Georgia Department of Transportation (GDOT), in 2021, there were 7,634 crashes in Hall County that led to 2,900 injuries and 30 fatalities. On the other hand, 98 motorcycle crashes were recorded that same year which led to 83 injuries and 4 fatalities.

Approximately 18% of fatalities in Hall County are caused by alcohol-impaired driving.

Auto Insurance Analysis

1. More than 168 thousand vehicles registered in Hall County need insurance coverage: Property Damage and Bodily Injury Liability are required for all 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. With 12% of Georgia’s motorists uninsured, it is possible that more than 20 thousand vehicles in Hall County do not have sufficient auto insurance coverage. This number emphasizes the need for Uninsured Motorist coverage.

To discuss your auto insurance needs and to find affordable car insurance in Hall County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of Georgia.

Hall County - Housing Statistics and Analysis

On average, 64% of homes in Georgia are occupied by their owners. This tendency is mirrored by Hall County’s estimated 80,881 housing properties which are mostly (69%) homeowner-occupied. Meanwhile, the remaining units are occupied by renters (31%). This type of distribution is also true for all of Hall County’s neighbors, with Forsyth County having the greatest number of homeowner-occupied properties, followed by Dawson County.

Statewide, the highest homeownership rate is observed in Harris County (89%), while the highest number of real estate for rent is in Chattahoochee County (76%).

Close to 17% of housing units in Hall County experience housing problems, overcrowding, poor plumbing, or issues with the kitchen. In more than 12% of homes, residents spend more than 50% of their income on housing.

Housing Insurance Analysis

1. Nearly 81 thousand housing units in Hall 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 approximately 25 thousand housing units in Hall County as rentals, landlords obtain 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 denied.

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

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

Hall County - End of Life Statistics and Analysis

Hall County residents live, on average, to 79 years old, which is around 2 years longer than the average life expectancy in Georgia (77 years old). Compared with its adjacent counties, Forsyth County records the longest life expectancies, not just in the region but also across Georgia. Banks County, on the other hand, posts the shortest average.

While Forsyth County has the longest average life span in Georgia, the shortest average life expectancy statewide is seen in Miller County, at 69.5 years old.

In 2022, there were approximately 34 thousand seniors (65 and older) residing in Hall 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 insured's age when the policy begins, among other factors. The younger you are when you lock in your best rate, the more you save in premiums over the course of the policy.

3. Around 18% of the adults in Hall County smoke, and this habit will likely affect the life insurance costs of more than 28 thousand adults who may have to pay up to 4 times more compared to non-smokers. A smoker’s life expectancy is deemed shorter, making them more at 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.

Hall County - Funeral Expenses Statistics and Analysis

There are different funeral expense ranges in Hall County and its bordering areas. Around $4,900 is the average funeral price in Hall County, which is less than the state average in Georgia ($5,900). Hall County’s average is also the lowest compared to its neighboring counties. On the other hand, Jackson County has the highest burial cost average of $6,400, followed by Habersham County and Gwinnett County, averaging at around $6,300.

Around the state: Funeral homes in Jones County tend to charge the most expensive burials costs, averaging more or less $11,700, while funeral services in Jefferson County are the most affordable in the state, at closer to $4,000.

Life Insurance Analysis

1. With 46% of Americans dying with savings of less than $10,000, more than 15 thousand Hall County senior residents could place the unnecessary and frequently unbearable financial burden on family and friends. While grieving their loss, not only does the family need to plan the funeral, but quite frequently, it also needs to pay for it.

(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 debt behind for the family to take care of. Discuss your senior life insurance options with a licensed Georgia life insurance professional.

3. The most frequently 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 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, Final Expense (FE), and multiple Universal Life insurance policies.

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

Hall County - Business

Commercial insurance needs vary among each of the nearly 4.7 thousand business establishments in Hall County. The largest job-creating sectors are:

• Manufacturing

• Retail Trade

• Health Care & Social Assistance

Commercial Insurance Analysis

1. Every business in Hall County needs some type of insurance based on what it does and the number 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. Manufacturing businesses need insurance to protect the production facilities and the workers, as well as get product liability coverage to protect the company itself if their product hurts someone or something.

3. 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.

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

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

Hall County - Insurance Help

By speaking with an insurance agent licensed to help Hall 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.