Median Income
$47,679
37% lower than US avg
Home Value
$174,900
38% lower than US avg
Violent Crime
447/100K
18% higher than US avg
Bachelor's+
11.8%
65% lower than US avg
Median Rent
$1,143
2% lower than US avg
Obesity Rate
44.1%
37% higher than US avg
Unemployment
2.7%
25% lower than US avg
Poverty Rate
20.8%
68% higher than US avg
How Crystal Lake Compares to the U.S. Average (100% = U.S. avg)
People
Population5,203
Median Age38.5 yrs
Density2,040/mi²
Male / Female52% / 48%
Largest GroupWhite 50%
Veterans5.3%
Economy
B
Median Income$47,679
Per Capita$24,520
Unemployment2.7%
Poverty20.8%
County GDP$20,398M
Commute32 min
Housing
A+
Home Value$174,900
Rent$1,143
Ownership46.6%
Zillow$309,289
Housing Units2,433
Rent Burden31.9%
Crime
F
Violent447/100K
Property5,211/100K
Health
Obesity44.1%
Uninsured22.4%
Smoking19.0%
Depression21.6%
Heart Disease7.2%
Climate
Avg Temp75°F (24°C)
AQI41 (Good)
Rain46.1 in/yr
Sunny Days330/yr
Elevation138 ft (42 m)
Education
D
Bachelor's+11.8%
High School+70.4%
Graduate+7.1%
School Score5.18
Community
2024 VoteR 50% / D 49%
Commute32 min
Broadband82.5%
EV Stations34
Libraries6
Is Crystal Lake a Good Place to Live?
Based on current data, Crystal Lake receives an overall livability score of 2.7 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine. Areas to be aware of include an elevated poverty rate, a high uninsured rate, below-average incomes. Crystal Lake has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Crystal Lake is $47,679, 37% below the national average of $75,149. The job market is very strong with unemployment at just 2.7%. The poverty rate of 20.8% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 32 minutes.
Cost of Living & Housing
The median home value in Crystal Lake is $174,900, 38% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,143 per month. A price-to-income ratio of 3.7x indicates a reasonably affordable housing market.
Safety & Crime
The violent crime rate of 447 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 5,211 per 100,000, 166% above the national average.
Education
11.8% of residents hold a bachelor's degree, below the national average of 33.7%. 70.4% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Crystal Lake has a warm climate with an average annual temperature of 75°F. Winters average 62°F in January while summers reach 84°F in July. With 330 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 46.1 inches. Air quality is rated Good with a median AQI of 41.
Crystal Lake has a population of 5,203 with a density of 2,040 people per square mile, spread across 2.8 square miles. The median age is 38.5 years, 1% younger than the national median of 38.9. The gender split is 47.8% female and 52.2% male. The city is predominantly White (49.8%), with 1.2% Hispanic, 20.4% Black. English is the primary language spoken at home by 72.9% of residents, while 27.1% speak Spanish. 5.3% of the population are veterans. 12.7% of residents have a disability. 79.3% have health insurance coverage.
Population
38.5yrs
Median Age
1% below US avg
Race & Ethnicity
Crystal Lake vs U.S. Average
Language Spoken at Home
English Only
72.9%
7% below US avg
Spanish
27.1%
102% above US avg
Social Characteristics
Crystal Lake vs U.S. Average
The median household income in Crystal Lake is $47,679, which is 37% below the national average of $75,149. Per capita income is $24,520 (below the $39,052 national figure). The average weekly wage is $1,010, 29% lower than the U.S. average. The unemployment rate is 2.7% (below the 3.6% US average). 20.8% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 10,530 business establishments, including 866 restaurants. The cost of living index is 103.4, roughly in line with the national average. Workers commute an average of 32 minutes. 7.8% of workers work from home (below the 15.2% national rate).
Income: Crystal Lake vs U.S.
Income
| Median HH Income | $47,679 |
| 37% below US avg |
| Per Capita Income | $24,520 |
| Avg Weekly Wage | $1,010 |
| IRS Avg AGI | $56,471 |
| Gini Index | 0.439 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.7% |
| 25% below US avg |
| Poverty Rate | 20.8% |
| 68% above US avg |
| Establishments (County) | 10,530 |
| County GDP | $20,398M |
Business (County)
| Restaurants | 866 |
| Healthcare | 874 |
| Retail | 1,049 |
| Manufacturing | 130 |
Tax & Cost of Living
| Property Tax (IRS) | $5,280 |
| 51% above US avg |
| Cost of Living | 103.40 (100=avg) |
| Effective Tax Rate | 3.02% |
Commute & Transportation
| Commute Time | 31.5 min |
| Drive Alone | 73.2% |
| Public Transit | 0.6% |
| Work from Home | 7.8% |
The median home value in Crystal Lake is $174,900, 38% below the national median of $281,900. Zillow estimates the typical home value at $309,289, higher than the Census estimate. Monthly rent averages $1,143 (2% below the national average of $1,163). Fair market rent ranges from $1,296 for a one-bedroom to $1,526 for a two-bedroom apartment. 46.6% of housing units are owner-occupied (below the 65.4% national rate). There are 2,433 total housing units in the city. The median year a home was built is 1973. The average annual property tax is $5,280 (higher than the $3,500 national average). 31.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.7x.
Home Values
| Census Median | $174,900 |
| 38% below US avg |
| Zillow ZHVI | $309,289 |
| Median List Price | $357,500 |
Real Estate Market (Redfin)
| Median List Price | $357,500 |
| $/Sq Ft | $188 |
| Homes Sold | 5 |
| Sale-to-List Ratio | 100.0% |
| Price Drops | 50.0% |
| Inventory | 8 |
Rental Costs
| Census Median Rent | $1,143 |
| 2% below US avg |
| Rent Burden | 31.9% |
HUD Fair Market Rent
| Studio | $1,212 |
| 1 Bedroom | $1,296 |
| 2 Bedrooms | $1,526 |
| 3 Bedrooms | $1,971 |
| 4 Bedrooms | $2,261 |
Ownership & Property
| Homeownership | 46.6% |
| Owner-Occupied | 46.6% |
| Renter-Occupied | 53.4% |
| Housing Units | 2,433 |
| Median Year Built | 1973 |
Property Tax
| Avg Tax (IRS) | $5,280 |
| 51% above US avg |
| Effective Rate | 3.02% |
In Crystal Lake, 44.1% of adults are obese, above the national rate of 32.1%. 13.7% have diabetes (above the 10.5% national rate). Heart disease affects 7.2% of residents, above the national average. 35.3% have high blood pressure. 19.0% are current smokers (above the 14.0% national rate). 15.8% report binge drinking. 32.7% are physically inactive, above the national average. 21.6% report depression. 21.3% experience frequent mental distress. 22.4% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:2,429. The dentist ratio is 1:3,380. 73.7% of residents have access to exercise opportunities. The food environment index is 7.0 out of 10.
Health Metrics: Crystal Lake vs U.S. Average (%)
Chronic Conditions
| Obesity | 44.1% |
| 37% above US avg |
| Diabetes | 13.7% |
| Heart Disease | 7.2% |
| High Blood Pressure | 35.3% |
| Asthma | 10.9% |
| COPD | 9.0% |
| Cancer | 6.9% |
| Stroke | 4.0% |
Behaviors & Mental Health
| Smoking | 19.0% |
| 36% above US avg |
| Binge Drinking | 15.8% |
| Physical Inactivity | 32.7% |
| Depression | 21.6% |
| Mental Distress | 21.3% |
| Physical Distress | 17.9% |
| Short Sleep | 46.0% |
Healthcare Access
| Insurance Rate | 79.3% |
| Uninsured | 22.4% |
| 160% above US avg |
| Primary Care | 1:2,429 |
| Dentists | 1:3,380 |
| Mental Health | 1:532 |
| Checkup Rate | 75.0% |
| Dental Visits | 44.5% |
| Premature Death | 7,380/100K |
Food & Exercise
| Food Environment | 7.0/10 |
| Exercise Access | 73.7% |
| Healthcare Facilities | 874 |
Crystal Lake has a violent crime rate of 447 per 100,000 residents, 18% above the national average of 380. Property crime stands at 5,211 per 100,000, 166% above the U.S. average. The county recorded 70 fatal traffic crashes. Overall, Crystal Lake receives a safety grade of F.
Crime Rates: Crystal Lake vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 446.6/100K |
| 18% above US avg |
| |
Property Crime
| Total Property | 5,210.6/100K |
| 166% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 70 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Crystal Lake has a warm climate with an average annual temperature of 75°F (24°C). Winters average 62°F in January while summers reach 84°F in July. The area gets 330 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 46.1 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 138 feet.
Temperature
62°F Jan (17°C)
84°F Jul (29°C)
| Annual Average | 74.6°F |
| 38% above US avg |
| January Average | 62°F (17°C) |
| July Average | 84°F (29°C) |
| Sunny Days | 330 days/yr |
Geography
| Elevation | 138 ft (42 m) |
| Area | 2.8 sq mi (7.1 km²) |
| Population Density | 2,040/sq mi |
| Coordinates | 28.0360°N, 81.8996°W |
| Timezone | America/New_York |
| County | Osceola County County |
| Nearest Airport | Lakeland Linder International (LAL) 8 miles away |
Precipitation & Snow
Annual Rainfall
46.1"
21% above US avg
Wettest Month (Jul)
7.48"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 92.0 / 100 |
| Social Vulnerability | 29.9 / 100 |
| Community Resilience | 33.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Relatively High |
| Earthquake |
Very Low |
| Wildfire |
Relatively Moderate |
| Flood |
Relatively Moderate |
| Hail |
Very Low |
| Strong Wind |
Very High |
| Heat Wave |
Relatively Low |
| Winter Weather |
No Rating |
| Lightning |
Very High |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Hurricane History
22 hurricanes (Cat 1+) within 500 km since 1980.
Strongest: Category 5. Most recent: Milton (2024, Cat 4).
| Year |
Name |
Category |
Closest |
| 2024 |
Milton |
Category 4 |
33 km |
| 2024 |
Helene |
Category 4 |
246 km |
| 2024 |
Debby |
Category 1 |
218 km |
| 2023 |
Idalia |
Category 4 |
245 km |
| 2022 |
Ian |
Category 5 |
77 km |
| 2022 |
Nicole |
Category 1 |
165 km |
| 2021 |
Elsa |
Category 1 |
205 km |
| 2019 |
Dorian |
Category 3 |
276 km |
| 2017 |
Irma |
Category 3 |
35 km |
| 2016 |
Matthew |
Category 4 |
184 km |
| 2016 |
Hermine |
Category 1 |
296 km |
| 2005 |
Wilma |
Category 3 |
223 km |
| 2005 |
Ophelia |
Category 1 |
262 km |
| 2005 |
Katrina |
Category 1 |
282 km |
| 2004 |
Charley |
Category 4 |
30 km |
| 2004 |
Jeanne |
Category 3 |
11 km |
| 2004 |
Frances |
Category 2 |
84 km |
| 2000 |
Gordon |
Category 1 |
187 km |
| 1999 |
Irene |
Category 1 |
179 km |
| 1995 |
Erin |
Category 1 |
152 km |
Source: NOAA IBTrACS (Cat 1+, 1980–2026)
Tornado History
954 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 79 fatalities, 1,528 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 4, 1966 |
EF4 |
89 km |
11 |
| Apr 15, 1958 |
EF4 |
82 km |
0 |
| Feb 2, 2007 |
EF3 |
95 km |
8 |
| Feb 22, 1998 |
EF3 |
52 km |
3 |
| Feb 22, 1998 |
EF3 |
47 km |
25 |
| Feb 22, 1998 |
EF3 |
91 km |
13 |
| Oct 3, 1992 |
EF3 |
82 km |
3 |
| Apr 9, 1983 |
EF3 |
95 km |
3 |
| Mar 19, 1981 |
EF3 |
70 km |
0 |
| Jan 24, 1979 |
EF3 |
99 km |
0 |
| May 4, 1978 |
EF3 |
80 km |
3 |
| Oct 31, 1958 |
EF3 |
91 km |
0 |
| Oct 9, 2024 |
EF2 |
98 km |
0 |
| Oct 11, 2023 |
EF2 |
91 km |
0 |
| Dec 16, 2020 |
EF2 |
86 km |
0 |
| Oct 18, 2019 |
EF2 |
16 km |
0 |
| Sep 10, 2017 |
EF2 |
13 km |
0 |
| Jan 17, 2016 |
EF2 |
64 km |
2 |
| Jun 24, 2012 |
EF2 |
24 km |
0 |
| Dec 25, 2006 |
EF2 |
52 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: STAGECOACH COMPLEX (14,079 ac, 2001).
| Year |
Name |
Acres |
Distance |
| 2001 |
STAGECOACH COMPLEX |
14,079 |
28 km |
| 2021 |
KISSIMMEE BEND NORTH |
13,782 |
93 km |
| 2006 |
UNNAMED |
12,050 |
79 km |
| 1992 |
UNNAMED |
11,488 |
93 km |
| 1996 |
UNNAMED |
9,427 |
97 km |
| 2024 |
APQ RECREATION AREA RX 0506 |
8,901 |
94 km |
| 1998 |
UNNAMED |
8,794 |
70 km |
| 2017 |
ECHO SPRINGS |
8,640 |
82 km |
| 1984 |
UNNAMED |
7,765 |
84 km |
| 2004 |
UNNAMED |
7,670 |
70 km |
| 2021 |
AREA 11 |
7,140 |
81 km |
| 1994 |
UNNAMED |
6,243 |
92 km |
| 1992 |
UNNAMED |
6,228 |
85 km |
| 1991 |
UNNAMED |
5,871 |
94 km |
| 1994 |
UNNAMED |
5,815 |
79 km |
| 1995 |
UNNAMED |
5,474 |
39 km |
| 1986 |
UNNAMED |
5,442 |
87 km |
| 2017 |
CR630 E |
5,096 |
64 km |
| 1992 |
UNNAMED |
5,083 |
72 km |
| 2006 |
CHARLIE FIRE |
5,065 |
85 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
62°F (17°C) |
2.5 in |
|
| February |
62°F (17°C) |
3.1 in |
Coldest |
| March |
67°F (19°C) |
3.5 in |
|
| April |
71°F (22°C) |
1.9 in |
Driest |
| May |
77°F (25°C) |
4.0 in |
|
| June |
81°F (27°C) |
7.1 in |
|
| July |
84°F (29°C) |
7.5 in |
Warmest, Wettest |
| August |
82°F (28°C) |
7.4 in |
|
| September |
80°F (27°C) |
6.1 in |
|
| October |
75°F (24°C) |
2.4 in |
|
| November |
68°F (20°C) |
2.1 in |
|
| December |
62°F (17°C) |
2.3 in |
|
Crystal Lake has a seasonal temperature swing of 22°F / from 62°F in February to 84°F in July. Total annual precipitation is 49.8 inches, with July being the wettest month (7.5") and April the driest (1.9").
Average costs for common services in Crystal Lake. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$259 ($155–$414) |
| Specialist Visit |
$362 ($207–$569) |
| Urgent Care Visit |
$207 ($103–$362) |
| Emergency Room Visit |
$2,275 ($827–$5,170) |
| Dental Cleaning |
$134 ($78–$207) |
| Dental Filling |
$259 ($155–$414) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$47 ($26–$78) |
| Oil Change (Synthetic) |
$78 ($52–$124) |
| Brake Pad Replacement |
$310 ($155–$517) |
| Tire Rotation |
$41 ($21–$78) |
| New Tires (Set of 4) |
$620 ($414–$1,034) |
| Battery Replacement |
$207 ($103–$362) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$103 ($62–$155) |
| Electrician (Per Hour) |
$93 ($52–$145) |
| HVAC Repair |
$414 ($155–$827) |
| HVAC System Install |
$7,238 ($4,136–$12,408) |
| Roof Repair |
$1,034 ($414–$2,068) |
| Roof Replacement |
$9,306 ($5,687–$15,510) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,551 ($517–$3,619) |
| Divorce (Contested) |
$15,510 ($5,170–$31,020) |
| DUI Defense |
$5,170 ($2,068–$10,340) |
| Bankruptcy (Chapter 7) |
$1,551 ($827–$3,102) |
| Will Preparation |
$517 ($207–$1,034) |
| Trust Preparation |
$2,585 ($1,034–$5,170) |
View all 12 services
Personal Care
| Men's Haircut |
$26 ($16–$47) |
| Women's Haircut |
$57 ($31–$103) |
| Hair Coloring (Full) |
$155 ($78–$259) |
| Manicure |
$26 ($16–$47) |
| Pedicure |
$41 ($26–$67) |
| Massage (1 Hour) |
$83 ($52–$134) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.24 ($3.10–$5.69) |
| Dozen Eggs (per dozen) |
$3.62 ($2.59–$5.17) |
| Loaf of Bread |
$3.93 ($2.59–$5.69) |
| Chicken Breast (per lb) |
$4.65 ($3.10–$6.72) |
| Ground Beef (per lb) |
$5.69 ($4.14–$7.76) |
| Rice (per lb) |
$1.03 ($0.62–$1.86) |
View all 20 services
Utilities
| Electricity (Monthly) |
$145 ($83–$259) |
| Natural Gas (Monthly) |
$72 ($31–$155) |
| Water/Sewer (Monthly) |
$72 ($41–$124) |
| Internet (Monthly) |
$72 ($41–$103) |
| Cell Phone Plan (Monthly) |
$67 ($31–$103) |
| Cable TV (Monthly) |
$88 ($52–$155) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$207 ($78–$517) |
| Car Insurance (Annual) |
$2,068 ($1,241–$3,619) |
| Bus Pass (Monthly) |
$72 ($31–$134) |
| Taxi/Uber (5-Mile Ride) |
$16 ($8.27–$26) |
| Car Registration (Annual) |
$103 ($31–$259) |
| Driver's License Renewal |
$31 ($16–$78) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,241 ($620–$2,585) |
| Daycare (Toddler, Monthly) |
$1,034 ($517–$2,068) |
| After-School Care (Monthly) |
$414 ($207–$724) |
| Tutoring (Per Hour) |
$52 ($26–$103) |
| SAT/ACT Prep Course |
$1,034 ($414–$2,585) |
| Private School (K-12, Annual) |
$12,925 ($5,170–$31,020) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$62 ($31–$103) |
| Dog Vaccination (Annual) |
$103 ($52–$207) |
| Dog Grooming |
$62 ($31–$103) |
| Pet Boarding (Per Night) |
$41 ($21–$78) |
| Dog Spay/Neuter |
$310 ($155–$517) |
| Cat Spay/Neuter |
$207 ($103–$414) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $879 |
| Toddler | $736 |
| Preschool | $693 |
| Family Childcare (monthly) |
| Infant | $650 |
| Toddler | $650 |
| Preschool | $585 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Crystal Lake
What is the population of Crystal Lake?
Crystal Lake has a population of 5,203 residents and is located in Florida. The population density is 2,040 people per square mile, spread across 2.8 square miles. The median age of residents is 38.5 years. The population is 47.8% female and 52.2% male.
Is Crystal Lake expensive to live in?
Crystal Lake has a cost of living roughly in line with the national average, with an index of 103.4 (baseline: 100). The median household income is $47,679, 37% below the national average of $75,149. The median home value is $174,900 (38% below the U.S. median). Renters pay a median of $1,143 per month. The home price-to-income ratio is 3.7x, indicating housing is reasonably affordable relative to local income levels.
Is Crystal Lake safe?
The violent crime rate in Crystal Lake is 447 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 5,211 per 100,000 (above the national average). Overall, Crystal Lake receives a safety grade of F based on combined crime data.
What is the weather like in Crystal Lake?
Crystal Lake has a warm climate with an average annual temperature of 75°F (24°C). Winter temperatures average 62°F in January, while summers reach an average of 84°F in July. The area receives 330 sunny days per year, well above the national average of 205. Annual rainfall totals 46.1 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Crystal Lake?
The job market in Crystal Lake is very strong, with unemployment at just 2.7% / well below the national rate of 3.6%. The average weekly wage is $1,010. There are 10,530 business establishments in the area, including 866 restaurants and food service locations. The average commute time is 32 minutes, and 7.8% of workers work from home.
How much does housing cost in Crystal Lake?
The median home value in Crystal Lake is $174,900. Zillow estimates the typical home value at $309,289. For renters, the median monthly rent is $1,143. Fair market rent is $1,296 for a 1-bedroom and $1,526 for a 2-bedroom apartment. The homeownership rate is 46.6%. The average annual property tax is $5,280.
How are the schools in Crystal Lake?
Schools in Crystal Lake score 5.2 out of 10 on standardized testing, near the national average. 11.8% of adults in Crystal Lake hold a bachelor's degree or higher, below the national average of 33.7%. 70.4% have completed high school. 7.1% hold a graduate or professional degree.
How healthy is Crystal Lake?
The obesity rate in Crystal Lake is 44.1% (above the national rate of 32.1%). 19.0% of adults are smokers. 32.7% are physically inactive. 21.6% of residents report depression. 22.4% lack health insurance (above the national rate). 73.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,429.
What is transportation like in Crystal Lake?
The average commute in Crystal Lake is 32 minutes, longer than the national average of 28 minutes. 73.2% of workers drive alone to work, and 7.8% work from home.
What are the demographics of Crystal Lake?
The racial and ethnic makeup of Crystal Lake is 49.8% White, 20.4% Black or African American, 1.2% Hispanic or Latino. 72.9% of residents speak only English at home, while 27.1% speak Spanish. 5.3% of the population are military veterans. 12.7% of residents have a disability. 79.3% have health insurance coverage.