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NEWS:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
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Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
//
Danger: FPE Panel Stab-Lok Circuit Breakers
4720 S Loop 289, Lubbock, TX 79414
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Auto, Home, Biz, Life, Health
Insurance in Lubbock, Texas | Car, Auto, Home, Business, Life, Health | 30 Years Experience | Hettler Insurance Agency
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Health Insurance

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  • health insurance
    Open Enrollment for Health Insurance Begins November 1, 2015
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    Open Enrollment for Health Insurance Begins November 1, 2015

    On November 1, 2015 open enrollment beginsΒ nationwide and lasts until December 15th 2015. For a month and a half, you have the ability to sign up for the government managed, health exchange marketplace. You also have the same amount of time to sign up for private health insurance plans, unless you qualify for a special enrollment.

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  • health insurance
    The State of Health Insurance for Texans in 2015
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    The State of Health Insurance for Texans in 2015

    The source and funding of health insurance is still a political hot-button topic. Many people who have never had health insurance in Texas now have coverage, which was the main focus of the PPACA, or Patient Protection and Affordable Care Act, otherwise known as β€œObamacare.” Other Texans lost coverage or were required to buy worse coverage for more money.

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  • health insurance
    What Happens If You Don’t Have Health Insurance?
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    What Happens If You Don’t Have Health Insurance?
    Tags: health insurance|

    December 15th came and went. This was the deadline for signing up for health insurance plans private or government subsided that would begin January 1st, 2015. However, the open enrollment period for 2015 is still ongoing until February 15th, 2015. Sign up for health insurance before Valentines Day to get health insurance on March 1st, 2015 and to avoid tax penalties that will increase each […]

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  • lubbock cowboy
    Man Buys Health Insurance, Despite Claims That Health Isn’t Important
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    Man Buys Health Insurance, Despite Claims That Health Isn’t Important
    Tags: funny, health insurance|

    In the writing style of The Onion A local Lubbock resident of 15 years, Greg Bachman finally decided to buy health insurance for his family before open enrollment and despite not supporting President Obama.

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  • Asthma Inhaler | Health Insurance | Hettler Insurance Agency, Lubbock Texas, Call 806-798-7800
    How the Affordable Health Care Act Helps Texans with Asthma
    Gallery
    How the Affordable Health Care Act Helps Texans with Asthma
    Tags: health insurance|

    Lucy was a child when she was diagnosed with asthma. Her parents searched for health insurance, but were denied coverage for hospital visits and medication. Prior to the Affordable Health Care Act, this was a common scenario. Many Americans have been denied coverage of regular medical expenses for pre-existing and chronic conditions, such as asthma. In addition, not every American could afford or receive health […]

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  • Enrolling in & Understanding the Affordable Care Act or ACA (Obamacare) | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas
    Enrolling in & Understanding the Affordable Care Act or ACA (Obamacare)
    Gallery
    Enrolling in & Understanding the Affordable Care Act or ACA (Obamacare)
    Tags: health insurance, Lubbock Insurance Agent|

    Regardless of your feelings, the ACA that was passed in March of 2010 is here. In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December.

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  • Child Only Health Insurance | Hettler Insurance Agency, Lubbock Texas
    Child only Health Insurance
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    Child only Health Insurance
    Tags: health insurance, Lubbock Insurance Agent, texas child insurance, texas insurance agency|

    If anyone needs to get a child only health insurance policy (in TX), there’s a program through Blue Cross that has a one time per year open enrollment period.Β  The deadline is September 15th to enroll.Β  No agents are involved.

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  • More Help, More Options | Hettler Insurance Agency, Lubbock Texas
    Health Insurance? – Check out ALL the options
    Gallery
    Health Insurance? – Check out ALL the options
    Tags: health insurance, texas|

    When calling about health insurance, seriously consider all the options.Β  It’s nice to have copayments for doctor’s visits and drugs, but it’s almost always an expensive option.Β  Consider this scenario for a single woman in her late 40’s in Lubbock, TX.

    read more
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Hettler Insurance Agency
Hettler Insurance Agency
4.5
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blaine bearman
blaine bearman
10:52 03 Nov 22
This was my first time going through an insurance agency, Ron was absolutely amazing!!! I got exactly what I was looking for with Ron's help!! He was very nice and helpful and wanted to help me!! Thank you Ron for this... experience and for helping me get health insurance for my children!! I highly recommend this place for anyone!!!read more
Morgan Cook
Morgan Cook
15:02 24 Jun 22
If you are looking for an insurance agency you can trust, look no further than Hettler Insurance. Meghan and the team are refreshingly professional and easy to work with. I was with my previous insurance agency for two... years, but they were no match for Meghan at Hettler. She was able to find the same policy/coverage with a significantly lower premium (with the potential for even more savings after 90 days). Every one of the staff is courteous, attentive, and helpful. Thanks Meghan and everyone at Hettler!read more
Weijun Huang
Weijun Huang
20:48 01 Jan 20
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
Chuck Lanehart
Chuck Lanehart
02:00 15 Dec 19
Ron Hettler and his staff are the best. I have used Ron for personal and business insurance for 20+ years, with no regrets. Recently he helped me sign up for Medicare supplemental insurance. We spent a good hour going... over the endless inane paperwork, even though I know his compensation for this is next to nothing. Good people, good insurance.read more
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    Texas insurance deductible guide: protect your home and budget
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    Texas homeowners insurance guide: 5 essential facts
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Hettler Insurance Agency

Hettler Insurance Agency

Independent Lubbock Insurance Agency providing Texans with Auto, Home, Business, Health, Life insurance in Lubbock Texas. Self-service Life Insurance Quote GetLifePolicy.com New office at 4720 S Loop 289, Lubbock, Texas 79414 806-798-7800

Hettler Insurance Agency is at Hettler Insurance Agency.

4 days ago

Hettler Insurance Agency
A $300,000 Texas home with a 2% wind/hail deductible means $6,000 out of pocket BEFORE your insurer pays a dime on a claim. Most homeowners don't realize this until the hail hits.Texas deductibles aren't one-size-fits-all. Wind/hail is usually a percentage. Flood is separate (and not covered by your homeowners policy at all). Liability and standard perils each have their own structure. The right mix can lower premiums AND keep your out-of-pocket exposure manageable when storm season delivers.Smart moves: upgrade to an impact-resistant roof (15–35% discount), build an emergency fund equal to ~2% of your dwelling value, and review your declarations page at every renewal. Ron Hettler, CIC (Certified Insurance Counselor) has guided Lubbock families through these decisions since 1992 β€” independent agency, 30+ carriers, no extra fee.πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414πŸ”— hettlerinsurance.com/2026/05/12/texas-insurance-deductible-guide-hail-flood-coverage/#texasinsurance #homeownersinsurance #lubbocktx #haildamage #floodinsurance #hettlerinsurance #westtexas 🀠 ... See MoreSee Less

Texas insurance deductible guide: protect your home and budget

hettlerinsurance.com

TL;DR Summary: Understanding insurance deductible guide for Texas, deductible types and their impact helps Texas homeowners prepare financially for storms. Choosing a deductible aligned with your risk...
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Hettler Insurance Agency is at Hettler Insurance Agency.

6 days ago

Hettler Insurance Agency
A generic business insurance policy almost never fits a Texas business. Hailstorms in Lubbock, hurricane exposure on the Gulf Coast, and Texas's unique opt-out workers' comp system create coverage gaps that off-the-shelf policies miss entirely.The good news: smart customization can lower premiums by up to 30% AND improve protection at the same time. BOP bundling alone typically saves 20–30%. Switching to annual payments saves another 5–10%. Strategic deductibles, safety programs, and trade-association group rates stack on top.Ron Hettler, CIC has been customizing coverage for Lubbock and West Texas business owners since 1992. Independent agency, 30+ top-rated carriers, no extra fee. Schedule your annual policy review before storm season catches you off guard.πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414πŸ”— hettlerinsurance.com/2026/05/19/customize-business-insurance-texas-businesses/#texasbusiness #SmallBusinessInsurance #lubbocktx #commercialinsurance #BOP #hettlerinsurance #westtexas 🀠 ... See MoreSee Less

How to customize business insurance for Texas businesses

hettlerinsurance.com

TL;DR Summary: Texas businesses face unique risks like hurricanes, hailstorms, and optional workers’ compensation. Customizing coverage, including bundling and increasing deductibles, can lead to si...
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Hettler Insurance Agency is at Hettler Insurance Agency.

6 days ago

Hettler Insurance Agency
Just closed on your first Texas home? Congratulations β€” now make sure your homeowners insurance actually holds up when it matters.Standard policies exclude flood damage entirely. Wind, hail, and hurricane claims trigger percentage deductibles (1–5% of your home's value, not a flat dollar amount). Jewelry is often capped at $1,500. And insuring at market value instead of replacement cost can devastate your recovery after a major loss.Ron Hettler, CIC has been guiding Lubbock and West Texas first-time buyers since 1992. Independent agency, 30+ top-rated carriers, no extra fee, no pressure. Read our full first-time buyers guide, then call us for a real coverage review before storm season.πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414πŸ”— hettlerinsurance.com/2026/05/11/texas-homeowners-insurance-guide-first-time-buyers/#firsttimehomebuyer #lubbocktx #TexasHomeInsurance #homeownersinsurance #hettlerinsurance #westtexas #newhome πŸ”‘ ... See MoreSee Less

Texas homeowners insurance guide: 5 essential facts

hettlerinsurance.com

TL;DR Summary: Texas homeowners insurance policies exclude flood damage, requiring separate flood insurance coverage. Texas weather risks like hail, hurricanes, and tornadoes affect policy coverage an...
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4720 S Loop 289, Lubbock, TX 79414

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Copyright Β© 1992- | Hettler Insurance Agency (License # 9513) | All Rights Reserved | Sitemap | Privacy | Disclaimer | Contact

“This site is intended for general informational and educational use only. It is not exhaustive and should not be construed as professional, financial, medical, or legal advice; or actual specific insurance policy terms. Please contact our insurance professionals online, by phone, or in-person for further specific information to receive a quote or inquire about your own policy if you are a current client. It’s possible that online content may not be complete, correct, or up-to-date due to fluctuations in insurance markets and/or other factors. You agree that if we contact you by phone, mail, or electronically that it’s because you have consented for us to do so.”

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.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

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