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]
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]
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