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Is Your Lubbock Home or Business In a Floodplain?

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.

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Hettler Insurance Expands Partnership with Auto and Home Carriers

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).

“We like to add insurance carriers that benefit our customers whether it’s a better claim experience, discounts or policy features, “said Ron Hettler, President of Hettler Insurance Agency. “There are few other independent agents in Lubbock that quote auto and home policies from such a diverse number of active carriers.”

According to LubbockInsurance.com, Hettler Insurance has a large number of property carriers, placing them in a preferred position when offering Home Insurance compared with many other local independent agencies. The same is true for auto insurance.

State Auto Insurance Companies

Despite the name, State Auto is available for both auto policies and homeowners. Bundle discounts are available, and a driving telematics program can deliver up to 50% off. Known as the State Auto Safety 360 program, participation discounts and save driving habits are all rewarded with lower premiums.

The company has an A- (Excellent Rating) from A.M Best for financial strength and performance.

Hippo Insurance

A newer player seeking to disrupt the home insurance market is Hippo. Billing itself as “smarter home insurance”, Hippo policies are often less than traditional homeowners even without an auto bundle option.

Several unique features make Hippo a recommendation for certain homeowners. Major appliances (HVAC, fridge, washer/dryer) are covered for repair and replacement even if the cause is mechanical. Better coverage is also provided for electronics and discounts are available for smart home alarm systems and cameras.

Hettler also recommends Hippo depending on your home age and type. While several major carriers won’t write policies for older homes with asbestos, old roofs or other structural issues, Hippo could be an option. If you’ve struggled to get approval for a home insurance policy contact Hettler today and save money with a quote from Hippo!

Other Carriers

Other recent additions to our lineup include Mercury Insurance and Acuity Insurance for auto, home and business policies.

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4 Reasons Lubbock Texas is Dangerous

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.

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When a Homeowners Policy Increases

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 experience for homeowners in the Lone Star state.

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Wildfire Season in West Texas

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 high risk of wildfire affecting Lubbock and surrounding communities during certain months of the year.

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Insuring a Tiny House in Texas

The Tiny House Trend

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.

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The Spookiest Halloween Insurance Claims

Halloween is known for bats, vampires, ghosts, witches, candy, and… insurance claims? These can be the spookiest of all. And Halloween is one of the biggest days for the kind of trickery that leads to insurance claims.

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How Will Climate Change Affect Insurance in Texas?

All Texans know that we live in the greatest state on earth. As such, we don’t like to be bothered by problems that divert us from advancing our business, socializing or just relaxing with some Friday night football. So it’s no wonder that many folks don’t want to face the frightening and highly inconvenient problem of climate change. But it’s here, and a spate of recent weather extremes are affecting the insurance industry.

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Company Information

Hettler Insurance Agency
Ron Hettler

4432 S Loop 289
Lubbock, TX 79414

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