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]
Optimize your Texas Business Owners Policy Workflow with a proven 5-stage workflow for better coverage and peace of mind: — data collection, coverage selection, endorsement review, binding, and verification. Ron Hettler, CIC explains how Lubbock business owners close coverage gaps and use the declarations page as their single source of truth. Avoid gaps and confidently manage your insurance process today!
Discover storm insurance essentials for Lubbock Texas homeowners. Learn how to protect your property from severe weather with our comprehensive guide! Lubbock sits in one of the most severe hail corridors in the country — and standard homeowners policies often skip flood, exclude cosmetic hail damage, and pay only depreciated value on older roofs. CIC-certified independent agent Ron Hettler explains every storm-coverage essential Lubbock homeowners need: hail, wind, flood, ACV vs. RCV, and the questions to ask before the next West Texas storm hits.
Unlock new jobs in Texas by mastering the role of compliance in Texas contractor insurance. Stay licensed and competitive with our expert insights!
Discover what a personal auto policy is and how it protects Texas drivers. Learn essential coverage details to safeguard your finances.
Learn how to get specialty insurance in Texas with this step-by-step guide covering eligibility, documents, carrier selection, and coverage verification for high-risk homeowners.
Learn what Texas property insurance covers, what it excludes, and how to customize your policy for hail, flood, and windstorm risks with local expert guidance.
Protecting Your Personal Information. Why Hettler Insurance Does Not Use Virtual Assistants. In today’s insurance environment, many agencies are turning to virtual assistants to handle customer service, process policy changes, and manage administrative work. These assistants are often located outside the agency—and in many cases, outside the United States. While this approach may reduce operating costs, it introduces a reality that most clients are [...more]
Is It Called a Collision Claim When Your Car Bottoms Out? Yes—damage caused when your car bottoms out is generally handled as a collision claim. In insurance terms, this is often described as a collision with the roadbed. That means the collision deductible applies, and when no other party is responsible, the claim is typically treated as at-fault. This is one of the most commonly [...more]
Duststorm Damage and the Wind & Hail Deductible for Lubbock Homeowners Duststorms are a common reality in Lubbock and across West Texas, and they can cause real damage to homes. One of the most misunderstood issues is how that damage is handled under a homeowners insurance policy—specifically, whether the wind and hail deductible applies. In many cases, it does. Understanding why comes [...more]
A Local Insurance Agent Is Your Best Bet in the Age of AI The insurance industry is buzzing about artificial intelligence. You are hearing about automated underwriting, AI claims handling, and even so-called fully autonomous insurance companies. Recently, I tested one of these AI systems myself. What happened tells you everything you need to know. A Real Conversation With AI (And What It Got [...more]
What Happens If You Hit Someone With a Golf Ball? How Homeowners Liability Insurance Can Protect You in Everyday Situations Most people think of homeowners liability insurance as protection for the house itself. But one of the most important parts of a homeowners policy has nothing to do with the home structure at all. It is your personal liability coverage. In many cases, homeowners [...more]
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Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.
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