Texas led the U.S. with 878 hail events in 2024. Learn how homeowners insurance covers hail damage, how deductibles work, and how to file a strong claim in Texas. How does your home insurance policy respond, what coastal rules apply, and how to file a smarter claim.

Learn how Texas insurance agents personalize coverage, manage premiums from $1,200 to $5,000, and guide you through claims for weather-related risks. Texas insurance agents do far more than sell policies — their role is to: personalize coverage for wind, hail, and flood risk, handle TWIA and NFIP, prevent under-insurance, and advocate during claims. Learn what a licensed agent actually does for your Texas home with Ron Hettler, CIC.

Texas windstorm insurance is Not included in most coastal home policies. Learn what it covers, what TWIA is, who needs it, and how to find the best rate in 2026. Learn about how TWIA works, what private carriers offer, 1–5% deductible math, the $1.77M 2026 cap, and how Ron Hettler, CIC can help.

Learn how bundling home and auto insurance in Texas can save you up to 26% per year. Hettler Insurance Agency in Lubbock shops 30+ carriers to find your best deal. Most Texas homeowners can save up to 26% — $700 to $1,700 a year — by bundling home and auto insurance. Learn how to compare quotes and avoid the loyalty trap.

Understand personal property coverage for Texas homeowners. Learn what's covered, what's excluded, and how to protect your belongings from hail, theft, and more.

Texas insurance deductibles aren't one-size-fits-all. A 2% wind/hail deductible on a $300K Lubbock home = $6,000 out of pocket. Learn how percentage deductibles, separate flood policies, and impact-resistant roof discounts work — and how to protect your home and budget before storm season with an insurance deductible guide for Texas.

Discover storm insurance essentials for Lubbock Texas homeowners. Learn how to protect your property from severe weather with our comprehensive guide! Lubbock sits in one of the most severe hail corridors in the country — and standard homeowners policies often skip flood, exclude cosmetic hail damage, and pay only depreciated value on older roofs. CIC-certified independent agent Ron Hettler explains every storm-coverage essential Lubbock homeowners need: hail, wind, flood, ACV vs. RCV, and the questions to ask before the next West Texas storm hits.

Discover what is coverage limit and how it impacts Texas homeowners. Learn to protect your finances and avoid costly gaps in coverage. What is a coverage limit? A Texas homeowners guide — per-occurrence, aggregate, sublimits, single limits, and how to set yours. Ron Hettler, CIC (certified insurance counselor).

Discover the role of deductible in insurance and how it affects your premiums and claims. Empower yourself with crucial homeowner insights! A Texas homeowners guide. Fixed vs percentage, per-incident vs annual, cost impact, how to choose. Ron Hettler, CIC (Certified Insurance Counselor).

Discover essential coverage details in our first time homeowners insurance guide for Texas buyers. Protect your investment today! First-time Texas homebuyer? Ron Hettler, CIC (certified insurance counselor) on coverage, deductibles, replacement cost, flood + windstorm, and how to shop before closing.

Discover why insurance rates fluctuate for Texas homeowners. Uncover key factors affecting your premiums and learn how to adapt your budget confidently. Why Texas insurance rates fluctuate — reinsurance, inflation, hail, credit-based insurance scores. Ron Hettler, CIC (certified insurance counselor).

Download ebook. As a homeowner, or business-owner, your top priority is the safety of your family and your property. While you may not think about it often, your electrical panel plays a crucial role in keeping your home, or business, safe by preventing electrical fires.

Learn what an insurance declaration page is and how it serves as your key protection summary. Understand your policy in Texas today! A Texas homeowner's guide to limits, deductibles, endorsements, and roof settlement basis. Ron Hettler, CIC (Certified Insurance Counselor).

Discover the role of loss assessment coverage for Texas homeowners. Protect your finances from HOA special assessments after disasters. Loss assessment coverage explained — what it pays, the $1,000 default trap, how to size your limit, and TX HOA/condo review tips. Ron Hettler, CIC (certified insurance counselor).