Most of the business owners around Lubbock, Texas that I deal with exclude coverage for themselves and other owners on the company’s workers’ compensation policy. It seems that many owners don’t like the idea of getting hurt or don’t believe that an accident will befall (never used “befall” before ) them. Perhaps some of them believe [...]
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Protect your business’ pocketbook
June 30th, 2011You’ve just signed for that business loan and you’re ready to get the doors open just as soon as possible. The banker shakes your hand and says “Have your insurance agent add the bank onto your insurance policy”. You say, “I’ll get that done” while thinking…I need to get an insurance policy going soon. A [...]
Life Insurance – Buy it now…for your loved one’s sake!
June 29th, 2011In the fall of 2009 I was called to send a life insurance proposal to my client on her husband. She had asked for a couple of different amounts and was wondering what the cost would be for permanent coverage and term insurance. I sent the proposals to her and didn’t hear from her for [...]
New Client’s Home and Auto Insurance savings are $1,300 HUGE!
June 28th, 2011So I was at the Lubbock, Texas Parade of Homes last week and saw a friend that said he wanted to call me about his home and auto insurance. He called me that following Monday and a couple of days later, Hettler Insurance wrote his auto insurance policy. I didn’t know what he was paying [...]
Uninsured Motorists covers MORE than you think
June 27th, 2011Most auto insurance buyers understand that Uninsured Motorists coverage covers them when they are hit by someone who doesn’t have insurance and the buyer wasn’t at fault in the accident. But Uninsured Motorists Coverage has some interesting twists that may provide coverage just when you need it. One of the most overlooked aspects of the coverage is [...]
Should you shop your Auto Insurance and Home Insurance coverage together?
June 26th, 2011We get calls all the time from families wanting us to shop their auto insurance. We put all the information into the rating program and get quotes back from up to 8 companies. But many times the substantial savings that we show the customer is “eaten up” by the loss of a multi-policy discount on [...]
The Best Way to purchase Auto Insurance
June 25th, 2011So you’re tired of hearing the commercials that brag that you could save “16% or more on your car insurance” or that the average driver that switched saves $350 per year by switching to….” It’s hard to figure out the methods to buy auto insurance but let me go through the options. (Editor’s Note: I do business [...]
Why should I insure my home for replacement cost?
June 24th, 2011Over and over again for the past 30 years, I have heard the complaint that the amount of coverage on my home on my homeowner’s insurance policy is way more than the home’s market value. Sometimes you insure even a newly constructed home for more than what you just paid! A seemingly excess amount of coverage is a valid concern because [...]
Why buy higher auto liability limits?
June 23rd, 20111. Buying higher limits can save you significant claim dollars. Buying higher auto liability limits is seldom important…until it is. Consider this…the minimum limits that are required in Texas for auto insurance are $30,000 per person for bodily injury/$60,000 per accident for bodily injury and $25,000 per accident for property damage. If you cause injuries or damage above these amounts, the money to [...]
Health Insurance? – Check out ALL the options
June 22nd, 2011When calling about health insurance, seriously consider all the options. It’s nice to have copayments for doctor’s visits and drugs, but it’s almost always an expensive option. Consider this scenario for a single woman in her late 40′s in Lubbock, TX. If she purchases a plan with Blue Cross Blue Shield of Texas with $25 Doctor’s [...]
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