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]
Building a Better Insurance Agency A quarter-century is a long time in the insurance world. Ron Hettler, owner of Hettler Insurance Agency in Lubbock, has weathered many changes. “What is most remarkable is a realization that we’ve insured individuals born in three different centuries,” Hettler said. “Generations of families and businesses have counted on HIA. It’s what keeps us motivated for the future.” As the [...more]
No one, not Congress, the president or even your insurance agent knows definitively what will happen to health insurance. However, this much we know, the Affordable Care Act was not repealed for 2018. After several attempts, it is still the law, although it has changed significantly. What happens next? How will open enrollment affect Texans and Lubbock residents? What does a death spiral of the [...more]
Tesla is famous for cool innovations. So it makes sense that if any automaker could pre-sell 400,000 cars based on a prototype, it would be Tesla. Early adopters eagerly await their new electric luxury sedans, which are due to start shipping in October. But what about insurance? Rates are based on pesky facts like how likely cars are to cause damage and how expensive they [...more]
Lubbock Texas Hits a New Population Milestone Last month, the U.S. Census Bureau revealed the fastest-growing large cities. Four of the top five were in Texas: suburbs of Dallas, Houston, and Austin. Although Lubbock is defined by the Census as a large city (more than 50,000), it didn’t reach record growth. Instead, the Census revealed Lubbock reached a new milestone. Officially, [...more]
It’s just a little crack. You can still see through 99.99 percent of your windshield, so what’s the harm? Plenty. Those cracks and chips in your windshield can spread unpredictably and harm the integrity of the entire windshield. […more]
All jobs have occupational hazards – even office workers get paper cuts or, more often these days, carpal tunnel syndrome. But some occupations are riskier than others, rodeo clowns? You bet. And those risks are reflected in insurance policies. Disability and life insurance policies are especially affected by dangerous jobs. […more]
The Tiny House Trend Most people have heard of the tiny house trend. But just how tiny are these homes? There’s no official definition, but most people consider a house less than 400 square feet as tiny. The average tiny house is only 186 square feet. This includes the living area, bathroom, kitchen and sleeping loft. Compare this to the average American house, which is [...more]
Now that the year is almost over, it’s time to evaluate 2016’s storm season in Lubbock and the greater south plains. We interviewed Joel Mowery, Co-Owner of SERVPRO of Southwest Lubbock. Together with Ron Hettler, President of Hettler Insurance, we have two experts on protecting property and restoring what is lost after a disaster. […more]
The following is an outline for free market insurance reform, written by Ron Hettler, an insurance broker that understands the health insurance marketplace, problems with the Affordable Care Act and possible solutions. Areas for Free Market Insurance Reform include Insurance, Medical Providers, Share Responsibility Penalty, Tax Credit Transition and Networks. […more]
Halloween is known for bats, vampires, ghosts, witches, candy, and… insurance claims? These can be the spookiest of all. And Halloween is one of the biggest days for the kind of trickery that leads to insurance claims. […more]
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