Neglected home repairs can be the biggest factor that decreases property value. And, repairs can be expensive if you don’t have homeowners insurance. Speak to a local independent insurance agent to make sure you’re covered. It’s cheaper for you if insurance pays instead of you paying for expensive home repairs at full price.
To learn more about how property values are affected, read this guest post re-printed by permission by Daniela González
Property value has many moving parts, especially for something that itself doesn’t, well, move. The factors involved in determining property and home value are sliding scales of perception, priority, and personality. What is important to some may be a deterrent to others, so coming to a consensus on the value of a property has numerous considerations.
Well… falling from a ladder is fairly common (annually, 500,000 people are treated). People often assume that their homeowners insurance covers anything that happens in and around their home, including the people living inside. There are some limits. A home insurance policy is designed to cover your home and belongings (things), and the injuries of guests. If household members are injured in the home, then they probably won’t be covered. The policy isn’t designed to protect your own body. It’s designed to protect against liability and belongings.
Homeowner’s insurance is a necessity, for all property owners. For instance, it might not be required by law, but if you borrow money to buy a home, your mortgage lender will most usually require you to have homeowner’s insurance. This helps to protect their investment and yours.
If your home loan is completely paid off, it’s still smart to continue homeowner’s insurance. You want to protect your investment. But, paid off or not paid off, you still don’t want to overpay for the coverage on your homeowners insurance, right?
Do your homework before getting homeowners’ insurance.
Use this list and consult your independent insurance agent so they can do some comparison shopping for your home insurance. After you look over all the facts related to your dwelling, you and your agent will be prepared and ready to get the best deal on your homeowners’ insurance policy.
How much you know about each of the following subjects will influence your choices when buying your homeowners’ insurance policy.
Imagine wading through your water-filled home or business finding many of your most cherished and vital possessions waterlogged and forever ruined. Unfortunately, each year many Texans don’t have to imagine this scenario and instead face it head on. Texas consistently has some of the highest fatality rates and property damage costs due to flooding. Let’s face it, next to fire or tornado/hurricane damage there are few things in the insurance world that are worse than a flooded home. And just because your property may be located outside a floodplain doesn’t mean you’re not at risk.
New Appointments Increase Auto Carriers to 13 and Property Carriers to 20
Today, Hettler Insurance Agency announced it is appointed to quote State Auto Insurance Company and Hippo Insurance. Hettler Insurance is now an authorized agency with 13 different companies for vehicle policies and 15 for property (homeowners, renters, condo).
Steady economic growth, a low cost of living and growing population make Lubbock, TX a great place to call home and live. Over 300,000 people call Lubbock home and the city is expected to grow 7% through 2022. Our diverse economy and job market outpace many other areas of the United States.
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 experience for homeowners in the Lone Star state.
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 high risk of wildfire affecting Lubbock and surrounding communities during certain months of the year.
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 currently 2,600 square feet, according to The Tiny Life. Tiny houses can be mobile, or set on permanent foundations.
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
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
Called Hetler twice to get quote for quote on price for 2 auto's and home insurance. Said they would call back to give... quote. If too busy for customer then I sure don't want them to handle my insurance needs.Reply: Been calling 2 Days ago. Placed call each day and never received status of why taking so long to receive call back. POOR BUSINESS STANDARDS.read more
Just got my reducible deductible statement; You guys are super! Thanks for the help and thanks for taking care of us... for the last 16 years!read more
I called another agency first, and wish I hadn't. Ron was very knowledgeable and helpful in providing me with the... information I was looking for. I highly recommend Hettler Agency for your insurance needs!read more
Kali is an excellent insurance agent! She listens to our concerns and finds us the absolute best coverage for our... needs. We sincerely appreciate everything she does for us!read more
This place is amazing, simple explanations, great customer service and Mr. Hettler makes you feel VIP. I will be... bringing all my insurance needs to Hettler Insurance.read more
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
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
Just called to have your company try and help me find a better price or better policy & the lady who I spoke with... wasn't very helpful or friendly. I'll go elsewhere. Thank you.read more
What a waste of time trying to get a quote for my business. spent two days filling out their applications, then they... just stop communicating. No word, NOTHING. and no I am not a competitor, like you accused the other negative reviewer of being. You can save yourself a lot of time by calling any other place.read more
I use Hettler Insurance Agency for my car insurance. When I first started with them, they found an insurance company... that saved my like, $80 from what I had found on my own, so I ended up paying $165/month for full coverage. A few months ago, that policy went up to $187/month and I just kinda rolled with it. But yesterday, I decided to give Hettler a call and just ask if there was anything they could do. The fella I spoke with said “sure, we’ll shop around for you and give you a call by the end of the day.”Within the day, I got called back and they had found a plan with the same coverage for $116/month. All that cost me was 2 minutes on the phone.My point is, if you ask your friends on social media who has the best insurance, you’re going about it all wrong. Go to Hettler and they’ll do all the shopping and looking around for you.read more
