Many people who don’t own commercial property would be surprised to learn that 60% of American commercial buildings are insured for terrorism. This means many ordinary building owners – not just high-profile targets – are purchasing coverage. In fact, while the country at large was shocked in 2015 by the 14 people killed in San Bernardino, the owner had the foresight to buy terrorism insurance. [...more]
Steady economic growth, a low cost of living and growing population make Lubbock, TX a great place to call home and live. Over 300,000 people call Lubbock home and the city is expected to grow 7% through 2022. Our diverse economy and job market outpace many other areas of the United States. […more]
This article has been updated for 2019, as there is always something new happening in Lubbock! Picture the perfect, melt-in-your-mouth Texas brisket –smoked low and slow creating juicy meat and no sauce. Now picture a recipe for the ideal Texas community–one part big city living with small-town southern charm, sprinkled with a love of college football, a robust economy and unmatched outdoor beauty, and you [...more]
Did the DMV tell you to file an SR-22? If so, you probably have something on your driving record you’d rather not talk about. But it’s important to get over your embarrassment and be honest with your insurance agent. If you’re staring down an SR-22 certificate, here’s what you need to know. […more]
Computer crimes and cyber breaches occur on a daily basis and affect individuals and corporations alike. In 2018, American companies like Facebook and Uber were hacked. For these two companies, the breach compromised the personal information for over 100 million people. Even the United States government has been hacked. Even with theft prevention software and procedures, breaches happen. The good news is that there is [...more]
Should You Stay or Jump? Jim and his wife Nancy just celebrated their second year in a beautiful new home. The celebration didn’t last long, however, when the couple discovered their homeowners policy increased 35% versus the previous year! Even worse, the rate hike occurred without any claim activity and very little credit changes. Maybe you’ve also felt Jim’s pain. It’s an all too common [...more]
On a chilly Washington D.C. evening in December 2017, legislators met to decide the fate of millions of Americans. The mantra “repeal and replace” reverberated across the country since the earliest days of the Trump presidency. And now, folks from both sides of the aisle still had no idea what was about to happen… Fast forward to present day and the outcome of the lawmaker’s [...more]
By now, you’ve probably seen or heard scooters zooming around streets and sidewalks downtown. The most visible e-scooter startup, Bird, is now valued at close to a billion dollars and is expanding into major metro areas across the entire United States. Scooter rental companies are especially popular on college campuses. Despite their popularity, e-scooters are not without controversy among motorists, pedestrians, insurance agencies, and attorneys. [...more]
Agency is Authorized to Sell Mercury Insurance as an Independent Agent We are pleased to announce HIA is able to quote Mercury Insurance in Texas for all drivers. This brings our total number of carriers to eight including Progressive, Safeco, Travelers and more! As an independent agency, Hettler allows for comparison shopping for auto insurance. Why settle for a single policy from one carrier, when [...more]
When Lakitu counts down the start of every Mario Kart race, players don’t know if they’re in for rainbows, banana peels or haunted planks. Driving in real life is just as unpredictable as Mario Kart, although with bigger consequences. Whether you’re a student about to get your driver’s license or a parent that remembers the original Super Mario Kart on SNES, let us guide you [...more]
Wildfire Risk & Getting Insurance Texas is second only to California as the state most at risk for wildfire, according to analytics company CoreLogic. At least 715,300 Texas residences are at high or extreme risk of wildfire. A dry environment goes hand in hand with wildfire. West Texas and the Panhandle are receiving less rainfall each year, earning long term drought status. There is a [...more]
When you’re buying a house to flip or completely do a gut job, you have different insurance concerns than a house you buy to live in long-term. Many investors forget about the insurance component of a deal when they’re in the heat of the moment and focused on the potential of the property. Whoa, slow down. When is the best time to call your insurer? [...more]
TV shows make flipping houses look fun and easy. Can you really make a lot of money doing this? Yes, it is possible. But only if you have the right skills, knowledge and timing. Choose the wrong fixer upper, and you could lose your entire investment. So how do you pick right? Read on for house flipping basics, and the risks that can happen, which [...more]
Everyone knows you need to insure your house and car, but what about other things you rely upon? With bicycle commuting becoming more common, more people are adding two-wheeled vehicles to their list of covered items. […more]
Twenty years ago, insurers could never have predicted today’s landscape. The rise of the internet, adoption of electric cars and the prospect of more and more data are becoming a reality. How will changes under the hood and technology affect auto insurance in the future? […more]
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