The residents of Wyoming County registered approximately 23,767 private and commercial vehicles, which represents roughly 0.20% of all vehicles registered in the entire state of New York.
Over 82% of adult drivers in Wyoming County commute to work by themselves, and about 2 in 5 of those commutes last for over 30 minutes.
According to the New York State Department of Motor Vehicles (DMV-NY) and the Institute for Traffic Safety Management and Research (ITSMR), between 2018 and 2021 there were 4,401 crashes in Wyoming County: with 12 of them fatal. Property damage occurred in 84.88% of those crashes, while personal injury was sustained in 14.84% of cases.
Motorcycles in Kings County accounted for an average of 30 crashes annually: with personal injury as a result in 80% of cases and property damage in 18.43%.
Over 23 thousand vehicles registered in Wyoming County need insurance coverage: No-Fault Personal Injury Protection (PIP) coverage, and 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.
Since New York is a no-fault state, the bodily injuries you sustain in an accident are paid by your own insurance - regardless of fault. If the bills for the treatment exceed your coverage limits, you can get the overage from the guilty party. Meanwhile, property damage is paid by the at-fault party.
The amount of the uninsured rate of drivers across the state of New York remains at under 5 percent, while the amount of vehicles on the roads of Wyoming County keeps going up year after year. For these reasons, the need for Uninsured Motorist coverage increases. You simply never know how much coverage the car next to you will have.
As a mostly rural area, Wyoming County experiences multiple animal crossings along its roadways. The New York State Department of Transportation (NYS-DOT) reported that despite their best efforts to warn drivers, there are around 65,000 deer-vehicle collisions each year, and most of them occur between October and December, a couple of hours before sunrise, and after sunset. Comprehensive auto insurance covers the damages to your vehicle, caused by hitting a deer, moose, or other animals.
To learn more about your auto insurance and to find affordable car insurance in Wyoming County, contact a knowledgeable Property & Casualty (P&C) insurance agent licensed in the state of New York.
Unlike the majority of New York state, where the residential marketplace is split almost evenly between homeowners and renters (54% to 46%), around 23% of Wyoming County’s estimated 18,939 dwellings in 2022 were rentals. Compared with the neighbors, Wyoming County has the most homeowner-occupied homes, while Erie County has the least (around 65%).
Statewide, Hamilton County has the highest homeownership rate, with just 13% of homes for rent, while The Bronx is the state leader with the highest percentage of its real estate for rent at more than 80%.
Over 10% of housing units in Wyoming County experience housing problems, overcrowding, poor plumbing, or issues with the kitchen. In nearly 9% of homes, residents spend more than 50% of their income on housing.
Nearly 19 thousand housing units in Wyoming County need insurance coverage. At a minimum, all owners of these properties should have Homeowners, Condo insurance, and/or Business property insurance (for apartment complexes), to protect the underlying financial investment from possible loss or damage.
With over 4,300 housing units in Wyoming 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.
Renters insurance Warsaw: 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 Wyoming County will require Renters insurance as a condition of the lease.
For consultation and advice about Homeowners, Renters, Condo, Flood, and other types of insurance in Wyoming County, contact a Property & Casualty (P&C) insurance agent licensed by the state of New York.
A New York P&C insurance agent:
analyzes your needs and restrictions,
reviews your current policy, to make sure that the coverages are reflective of the current needs and housing market- helps to update, if needed,
researches the locally available plans that fit your needs and is usually able to find a better deal than a consumer can find on their own,
checks for available savings and bundling discounts,
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.
In Wyoming County, around 6% of adult residents under the age of 65 lack proper health insurance coverage, which is lower than the state average (≈8%), but not the lowest among the peer counties. The lowest uninsured rate among the neighbors is at 5% found in Genesee County, Livingston County, and Erie County, while the highest is in Cattaraugus County at 8%.
The highest uninsured adult rate in the state of New York is in Queens County at around 12%, while the lowest rate is observed in Saratoga County, at under 5% of the adult residents.
Nearly 18% of adults in Wyoming County report problems with health. A person may be considered obese if he or she has a BMI of 30 or more. On average, 37% of Wyoming County’s adult residents are obese - higher than New York state’s obesity rate of over 26%. One possible contributor to this is the physical inactivity of more than 26% of Wyoming County’s residents. All of its neighboring counties are also above the state of New York’s obesity rate with Cattaraugus County leading at almost 39%.
In 2022, 9,100 Wyoming County residents were enrolled in Medicare, with the following utilization:
|WYOMING COUNTY - MEDICARE
|Original Medicare Part A and Part B
|Medicare Advantage and Other Health Plan Part A and Part B Beneficiaries
|Medicare Part D
|Medicare Advantage Prescription Drug Plan
In 2022, there were 12 health insurers in Wyoming County, offering affordable and frequently subsidized ACA health insurance on the New York State of Health marketplace.
Health insurance is the most important insurance coverage, and nearly 2,000 adult Wyoming County residents lack this necessity.
Even though New York is among the states that do not allow the sale of multiple types of alternative health insurance options, Wyoming County residents can shop for the choice of their plans on a state-run health care exchange. While Group or Individual Marketplace ACA health insurance are the staples of coverage for Bennington residents, supplementary options can also be purchased. For example, Hospital Indemnity insurance and Accident & Health insurance can help cover the out of pocket expenses such as deductibles, copay, and coinsurance, in case of emergency. Disability income insurance can help cover the lost income in case if a disability takes the insured out of the workforce.
Low-income health insurance: If health insurance is not being purchased due to unaffordability, low-income residents of Wyoming County are generally advised to apply for government health insurance subsidies, which can substantially lower the health insurance cost.
Discuss your health insurance needs with a knowledgeable state-licensed New York health insurance professional with access to a variety of health insurance plans available to Wyoming County residents. Offerings of health insurance coverage and its pricing may differ between zip codes.
A New York health insurance agent: analyzes your health needs and restrictions, researches the locally available plans that fit your needs, provides you with the available options of coverage, and explains how the differences between the options affect you once you start using each insurance product. The agent researches the available discounts and bundling options, assists you with the application process, and at any time you need to make a change to the policy, or shop for replacement coverage.
|Average Life Expectancy
Average life expectancy for the residents of Wyoming County is approximately 79 years old, which is slightly lower than New York’s state average of 81.4. All of its neighboring counties also have an average life expectancy lower than the state average. Livingston County shows a slightly longer lifespan than Wyoming County while Cattaraugus County’s average is the lowest of the group.
While New York County has the highest average life expectancy (≈85.2), the lowest life span in New York state is seen in Chemung County, at under 77 years old.
In 2022, approximately 7,298 seniors (65 and older) were residing in Wyoming County.
In 2022, 47% of Americans did not have an active life insurance policy of any type.
Life insurance premiums are based on the age of the insured when the policy begins, among other factors. The younger you are when you get it, the more you save in premiums over the course of the policy.
Nearly 23% of the adults in Wyoming County smoke, and this habit will likely affect the life insurance costs of more than 7,300 adults by up to 4 times compared to non-smokers. A smoker’s life expectancy is deemed shorter, making them more of a risk than people who do not smoke.
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.
Funeral expenses in and around Wyoming County are similar. The average price of a funeral in Wyoming County is around $6,800, which is higher than the New York state average of $6,500 and also the highest among all its immediate neighbors. The average cost for burial in Genesee County, Cattaraugus County, and Erie County is priced at $6,200, $5,900, and $4,900, respectively. Suffolk County tends to have the most expensive funerals in New York, (≈ $10,500), while Erie County is the least expensive.
(Note: If using life insurance as payment for the funeral services, most funeral homes require the policy to be “assignable”)
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 New York life insurance professional.
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).
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.
The most commonly used life insurance for tax-free retirement funding is Indexed Universal Life (IUL) insurance.
To find out more about life insurance options and to get life insurance quotes in Wyoming County, speak with a knowledgeable state-licensed and experienced life insurance professional who has access to multiple insurers and plan types for comparison.
Commercial insurance needs vary between the over 760 business establishments in Wyoming County. The largest job-creating sectors are:
Health Care & Social Assistance
Every business in Wyoming 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, Business Liability, and Employee Protection and Benefits:
Workers’ Compensation insurance, and
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 and the injured party files a claim or a lawsuit.
Health care professionals can benefit from Medical malpractice coverage, which protects both the patients and the insured medical professionals.
At a minimum, Wyoming County retail establishments typically get Property insurance, Business liability, Business income, and Workers’ compensation insurance.
To assess your business insurance needs and to get a commercial insurance quote in Wyoming County, speak with a knowledgeable New York-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.