Texas has no statewide contractor insurance mandate — but your clients require it. Texas contractors face unique risks and rules. Learn what contractor insurance covers, what the law requires, and how to protect your business from costly gaps. GL, workers' comp, equipment, and E&O explained by Hettler Insurance.

Discover what an insurance premium is and learn how Texas homeowners and businesses can navigate high costs while finding savings. Why Texas insurance premiums run nearly double the national average — and the real levers Lubbock Texas homeowners and businesses use to lower them.

Learn how independent insurance agents in Texas help homeowners and small businesses get better coverage, navigate hail risks, and control rising premiums. Why Texas homeowners and businesses choose independent insurance agents: 30+ carriers, hail-claim advocacy, and no client fees. Call (806) 798-7800.

Learn how liability coverage in Texas protects your home and business from lawsuits, medical costs, and unexpected claims. Get the right limits for your needs. Texas liability coverage isn't legally required — but lenders and contracts demand it. Learn smart limits, key exclusions, and why "minimum" isn't enough.

Who likes paying for insurance? But, we have to pay for things that we need. True, you pay money monthly or yearly, and you rarely get anything back in return. Only when tragedy strikes do you feel like it was all worth it. The rest of the time, it really does seem like a money pit.

Who needs health insurance? The fact is: health insurance makes healthcare more accessible and affordable. Yes, this includes preventive services like regular check-ups with your doctor and health screenings. (By the way, Open Enrollment for health insurance is Nov. 1st – Dec. 15th) For example, in 2019, only one-third of the U.S population’s uninsured citizens set up a preventive service visit with a doctor. In […]

Have you made any of these mistakes? An insurance policy is not exciting. There are hundreds of other more fun ways you could spend your money. But, insurance is an important part of your financial plan. It’s just way too risky to Not carry insurance. When buying insurance coverage, it’s easy to make a mistake. Mistakes could cause the loss of your assets. And, those […]

Keeping our “Social Distance”, while still Committed to Serving You!  It’s still business as usual, just not face-to-face, for now. Still ready to help you remotely during coronavirus (covid19) “season”. Call, Text, Online: (806) 798-7800 or [email protected] We are following social distance advice from health professionals because many of our clients and team members are caring for high-risk family members. We have invested in technology that allows […]

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 […]

An All Too Common Scenario Imagine the clouds turning black one day and a storm rolls in. Hail the size of softballs strikes your home or business, damaging the roof. This is unfortunately an all too common occurrence in Texas. Soon enough, a cadre of roofing repair representatives storm your neighborhood offering discounts marketed as “no deductible”, “zero deductible” and even “free roof repair”. If […]

Many people who don’t own commercial property would be surprised to learn that 60% of American commercial buildings are insured for terrorism. This means many ordinary building owners – not just high-profile targets – are purchasing coverage. In fact, while the country at large was shocked in 2015 by the 14 people killed in San Bernardino, the owner had the foresight to buy terrorism insurance. […]

When you’re buying a house to flip or completely do a gut job, you have different insurance concerns than a house you buy to live in long-term. Many investors forget about the insurance component of a deal when they’re in the heat of the moment and focused on the potential of the property. Whoa, slow down. When is the best time to call your insurer? […]

TV shows make flipping houses look fun and easy. Can you really make a lot of money doing this? Yes, it is possible. But only if you have the right skills, knowledge and timing. Choose the wrong fixer upper, and you could lose your entire investment. So how do you pick right? Read on for house flipping basics, and the risks that can happen, which […]

Texas’ insurance market is the world’s 12th largest based on premium volume, and 400 insurance companies are headquartered in the Lone Star State, according to the Insurance Journal. These range from the very large, such as USAA, to specialty companies, like Tokio Marine, which started out in aviation covering antique warbirds, corporate jets, and even homemade private planes. Just about any kind of insurance coverage […]