Texas has the US's highest 16.7% uninsured rate, yet 83% of ACA enrollees qualify for subsidies. Learn how health insurance works in Texas, what it costs, how subsidies help, and what's covered after a disaster. Compare HMO, PPO, EPO plans and avoid the costliest mistakes.
Learn Texas classic car insurance requirements, antique vs. classic plates, replica liability exemptions, and how to choose the right specialty policy for your vehicle. Texas treats antique, classic & replica cars differently — and one wrong drive can void coverage. Learn agreed value, exemptions & smart classic car policies.
Learn how Texas homeowners can avoid costly insurance gaps with this step-by-step guide covering exclusions, lapses, and coverage updates from Hettler Insurance. Texas insurance gaps cost homeowners thousands — missed payments, flood exclusions, outdated limits. Learn how to spot and close them before storm season.
Explore 5 graytvlocal.com alternatives for efficient local insurance comparisons tailored to Texas homeowners and small business owners.
Learn how bundling home and auto insurance in Texas can save you up to 26% per year. Hettler Insurance Agency in Lubbock shops 30+ carriers to find your best deal. Most Texas homeowners can save up to 26% — $700 to $1,700 a year — by bundling home and auto insurance. Learn how to compare quotes and avoid the loyalty trap.
Learn how liability coverage in Texas protects your home and business from lawsuits, medical costs, and unexpected claims. Get the right limits for your needs. Texas liability coverage isn't legally required — but lenders and contracts demand it. Learn smart limits, key exclusions, and why "minimum" isn't enough.
Generic business insurance policies don't fit Texas businesses. Learn how to customize commercial coverage for West Texas hail, Gulf Coast hurricanes, and Texas's unique opt-out workers' comp system — and save up to 30% with BOP bundling, annual pay, and smart deductibles.
Personal property coverage protects your Texas home's belongings — but with limits, sub-limits, and exclusions for flood, earthquake, jewelry, and business gear. Learn what's covered, how to file a claim, and how to close the gaps with Hettler Insurance.
Texas insurance deductibles aren't one-size-fits-all. A 2% wind/hail deductible on a $300K Lubbock home = $6,000 out of pocket. Learn how percentage deductibles, separate flood policies, and impact-resistant roof discounts work — and how to protect your home and budget before storm season with an insurance deductible guide for Texas.
First Texas home? Don't sign your homeowners insurance policy until you understand HO-3 vs HO-2, percentage wind/hail deductibles, jewelry sub-limits, flood exclusions, and replacement cost vs market value. Hettler Insurance Agency — Lubbock first-time-buyer guide.
Discover the key types of business insurance every Texas owner needs, from general liability to flood coverage. Compare options and protect your business today.
Use this auto insurance checklist for Texas drivers. Texas auto insurance state minimums (30/60/25) are the legal floor — not real protection. Ron Hettler, CIC walks Texas drivers through liability limits, PIP, UM/UIM, hail-ready comprehensive coverage, and how shopping 30–60 days before renewal plus bundling auto + home can save 10–25%.
A business insurance audit is not an investigation — it's a routine check that your premium matches your actual operations. Ron Hettler, CIC explains what triggers a Texas audit, the documents you need, how workers' comp and general liability audits differ, and the classification mistakes that cost businesses thousands.
How Percentage Deductibles Work on Texas Homes Many Texas homeowners know they have a deductible—but far fewer understand that some deductibles are based on a percentage of the insured value of the home, not a flat dollar amount. This becomes especially important when dealing with wind and hail claims, where percentage deductibles are common. In areas such as Lubbock and West Texas, severe weather [...more]
What Is a Wind and Hail Deductible on a Texas Homeowners Policy? Many Texas homeowners are surprised to learn that their insurance policy may have more than one deductible. One of the most common examples is a separate wind and hail deductible. This matters because a wind and hail deductible is often higher than the standard deductible that applies to other covered losses. In [...more]
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