Avoid insurance gaps in Texas: homeowner’s step-by-step guide
Learn how Texas homeowners can avoid costly insurance gaps with this step-by-step guide covering exclusions, lapses, and coverage updates from Hettler Insurance. Texas insurance gaps cost homeowners thousands — missed payments, flood exclusions, outdated limits. Learn how to spot and close them before storm season.
Texas homeowners insurance guide: 5 essential facts
First Texas home? Don't sign your homeowners insurance policy until you understand HO-3 vs HO-2, percentage wind/hail deductibles, jewelry sub-limits, flood exclusions, and replacement cost vs market value. Hettler Insurance Agency — Lubbock first-time-buyer guide.
Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
Has your home insurance premium skyrocketed? Well, you’re not alone. It’s a trend seen across the state of Texas (and across America). Texas has seen more billion-dollar weather disasters than any other state in recent decades. “If someone’s got a rate decrease, they are a very lucky and very rare individual,” Ronald Hettler said, president of Hettler Insurance Agency in Lubbock, Texas. Due to sustained and lengthy inflation (technically it's been a few years of recession), some homeowners have reported a quadruple increase in homeowners insurance policy cost.
Top 10 Worst ROI Home Improvements [infographic]
Home improvement and return on investment (ROI). Do these two things go together? – [see infographic below] We all have a few little things that we’d like to change about our home, right? But, have you considered that not all improvements are actually financially wise. Consider your Return On Investment (ROI). Just because it’s a significant home improvement doesn’t mean that it will pay for […]
Action Guide: Does Homeowner’s Insurance Cover Dog Bites?
Question: What if we have a small mixed-breed dog that sometimes nips at people. He’s never really bitten anyone quite hard enough to break the skin. But, what if a true bite occurs? We’re concerned about our liability. We wonder if our homeowner’s insurance policy will protect us, then. Answer: In an average year, dog bites will account for about 1/3 of all homeowner’s liability […]
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