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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
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Danger: FPE Panel Stab-Lok Circuit Breakers
4720 S Loop 289, Lubbock, TX 79414
Mon – Fri: 8:30am to 5pm
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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  • Christmas & New Year 2025-26 Hettler Insurance Agency | 4720 S Loop 289, Lubbock Texas | call 8067987800
    Christmas 2025: Closed on Dec 24, 25, 26
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    Christmas 2025: Closed on Dec 24, 25, 26
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  • Thanksgiving 2025 Hettler Insurance Agency | 4720 S Loop 289, Lubbock Texas | call 8067987800
    Thanksgiving Hours: Closed on Nov 26, 27, 28
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    Thanksgiving Hours: Closed on Nov 26, 27, 28
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  • Closed Labor Day Sept. 1st, 2025 | Hettler Insurance Agency 4720 S Loop 289 Lubbock Texas | Call Us 806-798-7800
    Closed Labor Day, Sept. 1st
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    Closed Labor Day, Sept. 1st
    Tags: Day Off, Holiday|

    ** We’ll be closed on Labor Day (Monday, Sept. 1st). Have fun; be safe. Come see us on Tuesday. The Significance of Labor Day in the United States As we approach the first Monday in September, many Americans are preparing for barbecues, beach trips, and that bittersweet feeling of summer’s end. But Labor Day represents far more than just a long weekend – it’s a […]

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  • July 4th Closed | Lubbock Insurance | Hettler Insurance Agency, 4720 S Loop 289, Lubbock Texas, 806-798-7800
    Celebrate America’s Birthday: The Story Behind Fourth of July
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    Celebrate America’s Birthday: The Story Behind Fourth of July
    Tags: Holiday|

    Every summer, millions of Americans gather with family and friends to celebrate the Fourth of July. We fire up the grills, wave our flags, and light up the night sky with fireworks. But, what are we really celebrating on this special day? The Birth of a Nation The Fourth of July marks one of the most important days in American history. On July 4, 1776, […]

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  • Memorial Day Some Gave All | Hettler Insurance Agency, Lubbock Texas
    Memorial Day, Fallen Heroes
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    Memorial Day, Fallen Heroes
    Tags: Holiday|

    Honoring Our Fallen Heroes: The True Meaning of Memorial Day Our Lubbock, Texas, office will be closed for Memorial Day on Monday, May 26th, 2025. Memorial Day is Monday, May 26th, 2025. It’s important to pause and remember the true purpose of this holiday. Memorial Day is more than just the unofficial start of summer — it’s a solemn day dedicated to honoring the brave […]

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  • Christmas 2024 Staff. Hettler Insurance Agency, Lubbock Texas, 4720 S Loop 289, Call 806-798-7800
    Merry Christmas from the Staff at Hettler Insurance Agency, Lubbock Texas
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    Merry Christmas from the Staff at Hettler Insurance Agency, Lubbock Texas
    Tags: auto insurance, Business Insurance, health insurance, home insurance, life insurance|
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  • Christmas NewYear Holidays Hours, Hettler Insurance Agency Lubbock Texas, 8067987800
    7 Safety Tips: a Secure Holiday Season
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    7 Safety Tips: a Secure Holiday Season
    Tags: auto insurance, Holiday, home insurance, safety|
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  • Holidays Hours 2024, Thanksgiving, Christmas, New Years | Hettler Insurance Agency Lubbock Texas, Call 8067987800
    Holiday Hours 2024 at Hettler Insurance Agency Lubbock Texas
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    Holiday Hours 2024 at Hettler Insurance Agency Lubbock Texas
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  • Veterans Day 2024, Hettler Insurance Agency Lubbock Texas 8067987800
    Honoring Heroes: Understanding the Significance of Veterans Day in the United States
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    Honoring Heroes: Understanding the Significance of Veterans Day in the United States
    Tags: Holiday|

    Intro Summary Thank a U.S. veteran today. Let them know that you appreciate their sacrifices made for the freedoms that we enjoy in America! Veterans Day is more than just a holiday; it’s a time to honor the bravery and sacrifices of those who have served in the U.S. military. But what makes it different from Memorial Day? Read our ultimate guide to learn about […]

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  • Columbus Day 2024 | Hettler Insurance Agency, Call 8067987800, 4720 S Loop 289 Lubbock Texas 79414
    What’s Open and Closed on Columbus Day 2024/Indigenous Peoples Day
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    What’s Open and Closed on Columbus Day 2024/Indigenous Peoples Day
    Tags: auto insurance, Business Insurance, health insurance, Holiday, home insurance, life insurance|

    Columbus Day 2024, and if you didn’t know, it’s also now known as Indigenous Peoples Day, is one of the most inconsistently observed federal holidays in the United States. Falling annually on the second Monday in October, this day has become a focal point for discussions about how we recognize history. While it’s one of the nation’s 11 federally recognized holidays, many businesses, states, and […]

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  • Labor Day 2024 | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, Call Phone 806-798-7800
    Closed Labor Day, Monday Sept. 2nd
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    Closed Labor Day, Monday Sept. 2nd
    Tags: Holiday|

    Hettler Insurance Agency in Lubbock, Texas will be closed on Monday, Sept. 2nd, for Labor Day. Have fun. Be safe. However, you can still visit https://hettlerinsurance.com/life-insurance-quote/ for a Life insurance quote and/or https://hettlerinsurance.com/free-auto-quote/ for a car / home quote. Guide to Understanding Labor Day in the United States Did you ever wonder why we get a long weekend at the start of September? Let’s dive […]

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  • July 4th Closed | Lubbock Insurance | Hettler Insurance Agency, 4720 S Loop 289, Lubbock Texas, 806-798-7800
    Closed July 4th & 5th
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    Closed July 4th & 5th
    Tags: Holiday|

    Have a safe & happy 4th of July. (Hettler Insurance Agency, Lubbock Texas, office will be closed on the 4th and 5th.) Stop by and see us on Monday morning to tell us about your weekend. John Adams (2nd president of the U.S.A.) speaking about the 4th of July said: “This day will be the most memorable epic in the history of America. I am […]

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  • Happy New Year 2024 | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    New Year, Closed Jan. 1st, 2024
    Gallery
    New Year, Closed Jan. 1st, 2024
    Tags: Holiday|

    Happy New Year.  Hettler Insurance Agency in Lubbock, Texas, will be closed on Monday, January 1st, 2024, in observance of the New Year. We wish you a safe and happy new year!  Come see us or call us on Tuesday the 2nd. 806-798-7800.

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  • Dec. 15th Noon-2pm, Closed for Long Lunch, Employee Christmas Party | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Dec. 15th Noon-2pm, Closed for Long Lunch, Employee Christmas Party
    Gallery
    Dec. 15th Noon-2pm, Closed for Long Lunch, Employee Christmas Party

    Office Closed For Long Lunch on Dec. 15th, Noon-2pm for employee Christmas party. So, what’s involved? A Festive Celebration As the week closes toward noon on December 15th, our office will buzz with excitement. The annual Employee Christmas Party quickly approaches. The Grand Feast At noon, we will gather in our conference room. A banquet table will be spread with delicious dishes and desserts. Laughter […]

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  • Happy Thanksgiving! We'll be CLOSED Nov. 22, 23, 24. Grateful hearts & full plates! Wishing everyone a warm & wonderful Thanksgiving filled with family, joy, good company, and delicious food. May today be a reminder to cherish the blessings in our lives. #HappyThanksgiving 🍁✨ | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Christmas: Closed Dec. 25, 26
    Gallery
    Christmas: Closed Dec. 25, 26
    Tags: Holiday|

    Christmas hours! We’ll be CLOSED December 25th & 26th for Christmas holiday. As we gather with our loved ones, let’s embrace the spirit of giving and gratitude. May your home be filled with happiness and your hearts brimming with love and peace. Remember, it’s more than the presents under some tree, but also about the presence of loved ones around us. It’s a time to […]

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Hettler Insurance Agency
Hettler Insurance Agency
4.5
Based on 31 reviews
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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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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.

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Hettler Insurance Agency
The $1,000 problem most Texas homeowners don't know they have: your standard homeowners policy caps jewelry coverage at around $1,000. Own an $8,000 engagement ring? A $12,000 watch collection? Grandma's diamond earrings? If they're stolen tomorrow, your check is $1,000. Everything above that is gone.The fix is a rider. And it costs less than you think.Ron Hettler, CIC (Certified Insurance Counselor) breaks down what riders actually are and why most policyholders underuse them:▶️ A rider is a legal amendment — Also called an endorsement. It's a separate contract document attached to your base policy that can override exclusions and close specific gaps. Full legal weight. Governs within its scope.▶️ Premium impact is small — Most riders add 5-15% to your annual premium. A $10,000 jewelry rider on an $1,800 homeowners policy typically costs $90-$270 a year — versus buying a standalone valuables policy that costs much more.▶️ Some riders are FREE — The accelerated death benefit rider (early access to your life insurance if diagnosed with a terminal illness) is often included at no extra cost in 2026. Check your declarations page. You may already have it.▶️ Timing matters — Most life insurance riders must be selected at purchase. Adding them later means new underwriting, higher costs, or outright denial if your health or age has changed. Do NOT assume you can add later.▶️ Not just for wealthy policyholders — Waiver of premium (keeps your life policy active if you become totally disabled) costs $50-$150/year. That's not a luxury — that's basic financial protection for any family relying on your policy.Common riders that actually earn their keep:• Scheduled personal property — jewelry, watches, art, firearms• Waiver of premium — life insurance during disability• Sewer backup — homeowners water damage from drain backup• Rideshare endorsement — auto coverage during Uber/Lyft driving• Rental reimbursement — auto rental during repairs• Long-term care rider — life policies covering nursing home costsRun gap analysis on every rider: annual premium increase vs. your uncovered exposure. Most decisions are obvious once you see both numbers.Get Better. Get Hettler.Read the full riders guide: hettlerinsurance.com/2026/08/14/what-are-insurance-riders-your-coverage-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#InsuranceRiders #endorsements #scheduledpersonalproperty #lifeinsurance #homeowners #lubbock #hettlerinsurance #gethettler ✨ ... See MoreSee Less

What Are Insurance Riders? Your Coverage Guide

hettlerinsurance.com

TL;DR summary: Insurance riders are legal amendments that customize existing policies to better suit individual risks and needs. They work by attaching to the primary policy, overriding exclusions, an...
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Hettler Insurance Agency is at Hettler Insurance Agency.

2 days ago

Hettler Insurance Agency
The most misunderstood number on your Texas insurance policy has one job: to tell you what a claim actually costs you.Your deductible is not a fee your insurer charges. It is the portion of every covered loss you absorb before your policy pays a single dollar. Get this number wrong, and a Lubbock hail storm can hand you a five-figure bill you were not prepared for.Ron Hettler, CIC (Certified Insurance Counselor) breaks down what every Texas homeowner and renter needs to understand:▶️ Two kinds of deductibles — Flat dollar (like $500, $1,000, $2,500) means you owe that fixed amount every time. Percentage means you owe a share of your home's insured value — often 1% to 5% — applied specifically to wind and hail claims in Texas.▶️ The percentage trap — A 2% wind/hail deductible on a $300,000 home is $6,000 owed BEFORE your insurer pays for a single shingle. At 5%, that number is $15,000. The percentage is listed separately on your declarations page.▶️ Per-incident, not annual — Texas property policies apply your deductible EVERY time you file. File three claims in a year, you pay your deductible three times. There is no annual reset like health insurance.▶️ Peril-specific deductibles — Your policy can carry different deductibles for fire, theft, flood, wind, and hail. Each applies only to its specific peril. Assuming one deductible covers everything is one of the most expensive mistakes we see.▶️ The premium trade-off — Raising your deductible from $500 to $1,000 typically saves 15% to 30% on your annual premium. But if you cannot write a check for that deductible today without stress, it is set too high.The rule that never fails: never carry a deductible higher than the cash you can access without going into debt. Premium savings are meaningless if a storm forces you to borrow to pay your share of the loss.Get Better. Get Hettler.Read the full deductible guide: hettlerinsurance.com/2026/08/13/what-is-an-insurance-deductible-texas-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#InsuranceDeductible #windhaildeductible #texashomeowners #lubbock #InsuranceExplained #hettlerinsurance #gethettler 🏠 ... See MoreSee Less

What Is an Insurance Deductible? Texas Guide

hettlerinsurance.com

TL;DR summary: An insurance deductible is the fixed amount you pay out of pocket before your insurer covers a covered claim, affecting your premiums and claim costs. In Texas, deductibles are typicall...
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Hettler Insurance Agency
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4720 S Loop 289, Lubbock, TX 79414

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Copyright © 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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