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).

Discover essential flood coverage options in Texas. Learn how to choose between NFIP and private flood insurance to best protect your home. Coverage limits, 30-day waiting period, costs, flood zones, and red flags to avoid. Ron Hettler, CIC (certified insurance counselor).

What does homeowners insurance have to do with Ladder Safety Month? 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 […]

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 […]

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 […]

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 […]

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.

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 […]