Well… falling from a ladder is fairly common (annually, 500,000 people are treated). People often assume that their homeowners insurance covers anything that happens in and around their home, including the people living inside. There are some limits. A home insurance policy is designed to cover your home and belongings (things), and the injuries of guests. If household members are injured in the home, then they probably won’t be covered. The policy isn’t designed to protect your own body. It’s designed to protect against liability and belongings.
Home improvement and return on investment (ROI). Do these two things go together? – [see infographic below]
We all have a few little things that we’d like to change about our home, right? But, have you considered that not all improvements are actually financially wise. Consider your Return On Investment (ROI). Just because it’s a significant home improvement doesn’t mean that it will pay for itself at sale time, unless you can do the work yourself. Worse yet, some home improvements are more “upside-down” than others.
Question: What if we have a small mixed-breed dog that sometimes nips at people. He’s never really bitten anyone quite hard enough to break the skin. But, what if a true bite occurs? We’re concerned about our liability. We wonder if our homeowner’s insurance policy will protect us, then.
Do you own a small business / SMB? Your cost of offering health insurance is a huge cost of business for any company. And, it can be an even bigger hassle for small business company owners when securing business insurance. With the continued rise of premiums, many smaller businesses may have to force the extra expense onto their employees.
Who likes paying for insurance? But, we have to pay for things that we need. True, you pay money monthly or yearly, and you rarely get anything back in return. Only when tragedy strikes do you feel like it was all worth it. The rest of the time, it really does seem like a money pit.
Automobile insurance (car insurance, truck insurance, etc.) is a requirement in just about every state. Many times, we don’t actively use our insurance, but we still have to maintain an insurance policy. So, here’s a top 7 list of things you can do to help get the best auto policy at the lowest price.
Christmas is almost here.
We will be closed on Dec. 24th & 25th.
Thank you for trusting us to protect you and your stuff for another year. We’ll keep giving! (At the end of the video, don’t miss our Christmas photo from last year, because social distance, you know.)
Give us a call on Monday morning @ (806) 798-7800 , or M-F 8:30am-5pm.
If your home loan is completely paid off, it’s still smart to continue homeowner’s insurance. You want to protect your investment. But, paid off or not paid off, you still don’t want to overpay for the coverage on your homeowners insurance, right?
Are your health care and health insurance costs rising? These days, more and more people are trying to lower their medical spending. Consumer Reports say that only about 31% of Americans try to negotiate their medical bill prices. However, those reports also tell us that those who do try to negotiate usually succeed in saving significant money. If you’re ready to negotiate and save money, then look at the tips below.
I called another agency first, and wish I hadn't. Ron was very knowledgeable and helpful in providing me with the... information I was looking for. I highly recommend Hettler Agency for your insurance needs!read more
A friend recommended Hettler Insurance Agency for my family’s health insurance last year. As new immigrants, we got... totally lost with what we can choose and how. Mr. Hettler has been so patient to us with full explanation of the policies and all the guidance we need. We are very thankful to him with the insurance package we get. This is the company where the staff are very friendly and they always know what the customers need.read more
What a waste of time trying to get a quote for my business. spent two days filling out their applications, then they... just stop communicating. No word, NOTHING. and no I am not a competitor, like you accused the other negative reviewer of being. You can save yourself a lot of time by calling any other place.read more
I use Hettler Insurance Agency for my car insurance. When I first started with them, they found an insurance company... that saved my like, $80 from what I had found on my own, so I ended up paying $165/month for full coverage. A few months ago, that policy went up to $187/month and I just kinda rolled with it. But yesterday, I decided to give Hettler a call and just ask if there was anything they could do. The fella I spoke with said “sure, we’ll shop around for you and give you a call by the end of the day.”Within the day, I got called back and they had found a plan with the same coverage for $116/month. All that cost me was 2 minutes on the phone. My point is, if you ask your friends on social media who has the best insurance, you’re going about it all wrong. Go to Hettler and they’ll do all the shopping and looking around for you.read more