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 misunderstood auto [...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 down to [...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]
Why HVAC Contractors in Lubbock Should Call Their Insurance Agent Before Signing a Contract For heating and air conditioning contractors in Lubbock and across Texas, landing a new job can feel like a win. The numbers look good, the schedule works, and the opportunity is there. Then comes the contract. Buried in that agreement is often a requirement for a certificate of insurance [...more]
Auto Liability Insurance in Lubbock, TX: Why Low Limits Can Leave You Without Legal Protection Auto liability insurance isn't just about protecting a vehicle — it's about protecting the people who depend on it. Insurance is ultimately about protecting people, not just assets. It transforms the message from "protect your vehicle" to "protect your family's future." Hettler Insurance Agency in Lubbock Texas is local, independent, [...more]
Lubbock TX Homeowners Guide [3 Common Homeowners Insurance Mistakes] Buying homeowners insurance often feels like a box to check at closing. The paperwork is overwhelming, timelines are tight, and many homeowners assume all policies are basically the same. Unfortunately, that’s how costly mistakes happen. At Hettler Insurance Agency, we regularly review policies for homeowners insurance in Lubbock and West Texas and see the same issues again [...more]
Why Term Life Insurance Makes Sense for Families in Lubbock, Texas If you live in Lubbock Tx, protecting your family’s financial future is more than just good planning—it’s peace of mind. Whether you’re raising kids, paying off a mortgage, or running a small business, term life insurance offers an affordable, straightforward way to protect the people who depend on you. Here’s why term life insurance in [...more]
Umbrella Liability Insurance: Extra Protection When Life Gets Complicated Most people assume umbrella liability insurance is only for the wealthy. In reality, it’s one of the most affordable ways for everyday families to protect themselves against large lawsuits and unexpected liability claims. Umbrella insurance provides an extra layer of liability protection when the limits on your auto insurance, homeowners insurance, or other personal insurance policies [...more]
Office Closed Monday, Open Tuesday at 10am, and Open Wednesday at 10am. Call us @ 806-798-7800. This is due to weather and road conditions. Weather permitting, we'll be back on regular office schedule quick as possible. You can always get a quote started at https://GetHettler.com . Our phone # is (806) 798-7800, M-F 8:30am-5pm. On regular weather days, you can come in at 4720 S [...more]
Christmas & New Year Holiday 2025-26 Schedule As we finish the winter holiday season, we wanted to share our office schedule so you can plan accordingly. Thanks to all our customers, associates/partners, and employees (and their families). We're truly thankful for your trust, loyalty, and commitment! #MerryChristmas ** CLOSED Dec. 24, 25, 26 for Christmas. ** CLOSED Dec. 31 & Jan. 1 for New [...more]
Thanksgiving Holiday Schedule We wish you all and your families a safe, happy, and thankful Thanksgiving 2025. Thank you to all our customers, associates/partners, and employees (and their families). We are truly thankful for your trust, loyalty, and commitment! #HappyThanksgiving ** CLOSED Nov. 26, 27, 28 for Thanksgiving. Take Time to Give Thanks. A Message of Gratitude As Thanksgiving approaches, we want to [...more]
** We'll be closed on Labor Day (Monday, Sept. 1st). Have fun; be safe. Come see us on Tuesday. The Significance of Labor Day in the United States As we approach the first Monday in September, many Americans are preparing for barbecues, beach trips, and that bittersweet feeling of summer’s end. But Labor Day represents far more than just a long weekend – it’s a [...more]
Every summer, millions of Americans gather with family and friends to celebrate the Fourth of July. We fire up the grills, wave our flags, and light up the night sky with fireworks. But, what are we really celebrating on this special day? The Birth of a Nation The Fourth of July marks one of the most important days in American history. On July 4, 1776, [...more]
Hettler Cup 2025 (14th Annual) Golf Tournament: June 28th & 29th, 2025, in Lubbock, Texas. Lakeridge MGA vs. Rawls MGA (2024 record was 8 vs 5). Two clubs compete in one of the few match-play events in West Texas. (36-hole match play golf tournament). Friday 6:00pm, June 27th, 2024 @ Lakeridge Course: banquet, pairings, and drinks. Saturday @ The Lakeridge Course...
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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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