Discover why independent insurance in 2026 is essential for Lubbock homeowners. Get smarter coverage tailored to your unique risks today! Independent agents at Hettler Insurance Agency in Lubbock shop 30+ carriers to fit hail, tornado, and flood risks — smarter, more flexible coverage than a captive agent can offer.
Discover Texas restaurant insurance essentials to protect your business. Learn critical coverage types and make informed decisions today! Texas restaurants face dram shop laws, hail, and unique workers' comp rules. Here's the 5-policy coverage stack every owner should know before renewal.
Discover what is comprehensive auto insurance and how it protects your car from hail damage. Stay covered in Texas storms—learn more now! Texas liability won't pay a dime for hail damage. Comprehensive auto insurance does — and a hail claim usually won't raise your premium. Here's why.
Discover what business interruption insurance is and how it protects Texas small businesses from income loss during repairs. Your property policy fixes the building. Business interruption insurance replaces lost Texas income — if your records and endorsements line up.
Hettler Insurance Agency will be closed Friday, July 3, 2026 for the 250th Independence Day. Plus 5 quick Fourth of July facts you may not know.
Discover why getting an insurance policy review is crucial for Texas homeowners. Protect your finances from unexpected costs after severe weather! A 1% to 2% wind/hail deductible shift can cost $4,000+ at claim time. Use this annual policy review checklist before hail season.
Learn what life insurance covers for Texas homeowners and families, how it pairs with homeowners insurance, and how to avoid costly coverage gaps in 2026. Young Texas families carry only 3.5x income in life insurance; experts say 10-15x. See what life insurance covers and how it pairs with home coverage.
Texas doesn't require liability insurance for all businesses, but contracts and permits often do. Learn what coverage you need, who requires it, and how to stay compliant. Insurance for business liability in Texas is not required — but clients, landlords, and permits often do. See what triggers it and how to comply.
Texas led the U.S. with 878 hail events in 2024. Learn how homeowners insurance covers hail damage, how deductibles work, and how to file a strong claim in Texas. How does your home insurance policy respond, what coastal rules apply, and how to file a smarter claim.
Discover how to insure commercial vehicles in Texas with our complete guide. Protect your business and avoid costly mistakes today! Texas business owners: if your vehicle is 50%+ business use, your personal auto policy won't cover it. See when commercial auto is required and how to save.
Learn how Texas insurance agents personalize coverage, manage premiums from $1,200 to $5,000, and guide you through claims for weather-related risks. Texas insurance agents do far more than sell policies — their role is to: personalize coverage for wind, hail, and flood risk, handle TWIA and NFIP, prevent under-insurance, and advocate during claims. Learn what a licensed agent actually does for your Texas home with Ron Hettler, CIC.
Learn what a Business Owners Policy (BOP) covers, who qualifies in Texas, key exclusions (flood, hail, cyber), and how to customize your BOP for Texas-specific risks like hail and flood. A Business Owners Policy bundles general liability, commercial property, and business interruption into one policy — usually at a 15–30% discount. Know the endorsements every Texas small business should consider.
Hettler Cup 2026 (15th Annual) Golf Tournament: June 27th & 28th, 2026, in Lubbock, Texas. Rawls MGA vs. Lakeridge MGA (2025 record was 8 vs 6). Two clubs compete in one of the few match-play events in West Texas. (36-hole match play golf tournament). Friday 6:00pm, June 26th, 2026 @ Lakeridge club: banquet, pairings, and drinks. Saturday @ The Rawls Course 9am-11:30am. Sunday @ The Lakeridge Course 8am-11am.
Restaurant insurance guide for Texas owners can build a complete insurance plan covering liability, workers' comp, liquor liability, and more. Step-by-step guidance from Hettler Insurance Agency. Texas restaurant insurance is more than the legal minimum. Learn the top risks, every coverage type to evaluate (general liability, workers' comp, BOP, liquor liability, property, cyber, spoilage), and the 4-step plan to build the right policy mix with Ron Hettler, CIC.
Texas windstorm insurance is Not included in most coastal home policies. Learn what it covers, what TWIA is, who needs it, and how to find the best rate in 2026. Learn about how TWIA works, what private carriers offer, 1–5% deductible math, the $1.77M 2026 cap, and how Ron Hettler, CIC can help.
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