Name: Hettler Insurance Agency
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Uncover Hidden Power of Insurance FAQs and Insurance SAQs
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Uncover Hidden Power of Insurance FAQs and Insurance SAQs
Tags: auto insurance, FAQs, Hettler Insurance Agency, home insurance|
Insurance FAQs vs. Insurance SAQs. Navigating the labyrinth of insurance can feel like learning a new language. With so many terms, types, and options, it’s easy to get lost. That’s why at Hettler Insurance Agency in Lubbock Texas, we believe in empowering our customers with knowledge. Knowledge that not only answers their Frequently Asked Questions (insurance FAQs) but also unveils the ‘Should Ask Questions’ (insurance […]

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Hettler Insurance Agency

4.5

Based on 31 reviews

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blaine bearman

10:52 03 Nov 22

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

Morgan Cook

15:02 24 Jun 22

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

Weijun Huang

20:48 01 Jan 20

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

Chuck Lanehart

02:00 15 Dec 19

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

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Hettler Insurance Agency

Independent Lubbock Insurance Agency providing Texans with Auto, Home, Business, Health, Life insurance in Lubbock Texas. Self-service Life Insurance Quote GetLifePolicy.com New office at 4720 S Loop 289, Lubbock, Texas 79414 806-798-7800

Hettler Insurance Agency is at Hettler Insurance Agency.

2 hours ago

Every insurance claim you'll ever file has a NUMBER that comes out of your pocket first. That's your deductible. And most Texas homeowners have never thought carefully about theirs — until the claim shows up.Ron Hettler, CIC (Certified Insurance Counselor) walks Texas homeowners through what a deductible actually does, why higher deductibles don't always mean bigger savings, and how to pick a number that won't hurt when you need to use it:💰 What a deductible actually isThe amount YOU pay out of pocket before the insurer pays anything. It shares risk between you and the insurance company AND discourages small nuisance claims. Every deductible on your policy is a small financial exposure you've agreed to accept.📊 Fixed vs. percentage-based deductibles (the West Texas trap)• FIXED DOLLAR — $500, $1,000, $2,500. Auto policies use these almost exclusively.• PERCENTAGE-BASED — 1% or 2% of your dwelling limit. The one most Texas homeowners get caught by on wind/hail claims. A $350,000 home with a 2% wind/hail deductible = $7,000 out of pocket before ANY hail claim pays.If your policy lists something like "2%" on a coverage, do the math BEFORE the next storm.📅 Per-incident vs. annual deductibles• Auto and homeowners = PER-INCIDENT. You pay it EVERY claim. Two hailstorms in one year = two deductibles.• Health insurance = ANNUAL. Resets each policy year no matter how many visits.• Some Texas policies now offer "annual aggregate" wind/hail deductibles — one payment covers all wind/hail losses in the year. Worth asking about.📈 Higher deductible = lower premium — but not proportionallyDoubling your deductible does NOT cut your premium in half. It's typically a 15-25% reduction. Push it too high and you're saving $300/year to expose yourself to a $10,000 hit. Do the math on how many years of "savings" it would take to recover a single deductible.🧮 The right deductible = what you can pay TODAY without borrowingNot what fits your ideal premium. Not what your neighbor has. Not what the agent quoted first. Look at your emergency fund. If you can write the deductible check from savings tonight without a HELOC or credit card, that's your ceiling.⚠️ Not every coverage has a deductible• Auto LIABILITY — no deductible (you're not paying yourself; the insurer pays the other driver)• Auto COLLISION and COMPREHENSIVE — deductible applies• Homeowners PROPERTY — deductible applies• Homeowners LIABILITY — usually no deductible• Umbrella — no deductible on the umbrella itself, but the underlying policy's deductible applies firstGet Better. Get Hettler.Read the full Texas homeowner deductible guide: hettlerinsurance.com/2024/06/11/the-role-of-deductible-in-insurance-a-homeowners-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#TexasHomeowners #Deductibles #HailDamage #Lubbock #WestTexas #CIC #HettlerInsurance #GetHettler 💰 ... See MoreSee Less

The Role of Deductible in Insurance: A Homeowner's Guide

hettlerinsurance.com

TL;DR summary: Higher deductibles lower insurance premiums by reducing expected insurer payout but increase your out-of-pocket costs during claims. The structure, amount, and application of deductible...

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Hettler Insurance Agency is at Hettler Insurance Agency.

5 hours ago

Here's what most Texas policyholders don't realize: the ENDORSEMENTS attached to your policy are more legally powerful than the base policy itself.If the endorsement language conflicts with your base policy, the ENDORSEMENT wins. Every time. Ron Hettler, CIC (Certified Insurance Counselor) explains why endorsements deserve more attention than any other page in your file:📎 What an endorsement actually isA formal, written modification to your existing policy that adds, removes, or changes coverage. Endorsements take effect immediately and control over the base policy contract when there's a conflict. This is the ONLY way to legally change what your policy covers — verbal promises, emails, and Certificates of Insurance do not.📄 Common Texas HOMEOWNER endorsements• Water backup and sump overflow — standard policies EXCLUDE this ($30-$75/yr; a $15,000-$25,000 claim otherwise on you)• Scheduled personal property — raises the sublimit on jewelry, firearms, art, cameras, collectibles above the tiny default cap• Ordinance or law — pays the extra cost of rebuilding to CURRENT Texas building code (huge on older Lubbock homes)• Identity theft — legal fees, credit monitoring, lost wages ($20-$50/yr)• Personal injury — extends liability to slander, libel, invasion of privacy• Service line — repairs to buried water, gas, or electric lines you own🏢 Common Texas COMMERCIAL endorsements• ADDITIONAL INSURED — legally extends liability to a client, landlord, or GC named in a contract. This is the endorsement that gets contractors paid or fired.• Waiver of subrogation — required by many general contractors and property owners• Hired and non-owned auto — covers rental cars and employees using personal vehicles for business• Blanket additional insured — auto-adds anyone required by written contract• Business income extension — extends the standard 12-month cap after a major loss💰 What they costMost endorsements are surprisingly affordable. Homeowner water backup: $30-$75/yr. Commercial additional insured: often under $50. Mid-term additions are prorated — you don't wait for renewal to fix a gap.⚠️ Certificate of Insurance ≠ EndorsementThis one costs contractors and small business owners more claims than any other misunderstanding. A COI merely REFLECTS existing coverage — it does NOT modify the policy or add anyone as an insured. If a contract requires you to name a client as an additional insured, you need an ADDITIONAL INSURED ENDORSEMENT, not just a COI.📋 Review at every renewal• Are your endorsements still current with your contracts, assets, and life?• Is anything on your original policy no longer needed?• Did that renovation, new vehicle, new employee, new contract, or new hobby create a gap?Get Better. Get Hettler.Read the full Texas endorsements guide: hettlerinsurance.com/2025/03/11/the-role-of-insurance-endorsements-for-texas-policyholders/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#texasinsurance #endorsements #Contractors #homeowners #Lubbock #westtexas #CIC #hettlerinsurance #gethettler 📎 ... See MoreSee Less

The Role of Insurance Endorsements for Texas Policyholders

hettlerinsurance.com

TL;DR summary: Insurance endorsements are legal modifications that add or change coverage in an existing policy and take effect immediately. They control over conflicting policy language and can be is...

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Hettler Insurance Agency is at Hettler Insurance Agency.

8 hours ago

Every Texas homeowner's policy has a NUMBER on it that decides how much your insurer will actually pay when things go wrong.Most homeowners have never checked to see if that number is even close to right. Ron Hettler, CIC (Certified Insurance Counselor) explains coverage limits — the make-or-break line item on your declarations page:📄 What a coverage limit actually isThe maximum amount your insurer will pay for a covered claim. Anything above the limit is YOUR money. Simple. And devastating when it's wrong.🔢 The 4 types of limits on your policy1. PER-OCCURRENCE — the cap for ONE incident (one fire, one theft, one liability claim)2. AGGREGATE — the TOTAL cap for the entire policy period across all claims3. SUBLIMITS — smaller caps within your policy for specific categories (jewelry, firearms, electronics, cash, business property)4. SINGLE LIMITS — one combined cap covering multiple types of damage in a single claimThe trap that catches most Texans is SUBLIMITS. Your policy may show a $300,000 personal property limit — but a $2,500 sublimit on jewelry. A stolen wedding ring worth $8,000 pays out $2,500. That's not a claim denial. That's your sublimit doing its job.🏠 Dwelling limit = rebuild cost, NOT market valueYour dwelling limit should match what it costs to REBUILD your home in today's construction market — lumber, labor, permits, code upgrades — not what it would sell for or what you paid for it. In Lubbock and West Texas, rising material costs mean rebuild figures from 3-5 years ago are almost certainly TOO LOW today.⚖️ Limits vs. deductibles vs. exclusions• LIMIT = the ceiling on what your insurer pays• DEDUCTIBLE = what you pay before coverage kicks in (flat dollar OR percentage of dwelling — very common on Texas wind/hail)• EXCLUSION = perils NOT covered at all (flood is the big one — always excluded from standard HO policies)All three shape your out-of-pocket exposure. All three deserve a look every renewal.📋 How to set the RIGHT limits1. Get a current rebuild-cost estimate — many insurers offer this for free2. Check every sublimit on your declarations page (jewelry, art, cash, business property, back-up-of-sewer)3. Schedule high-value items separately if the sublimit is too low4. Add an umbrella policy if your liability limit is under $500,0005. Review at every renewal AND after any renovation, purchase, or life changeGet Better. Get Hettler.Read the full Texas homeowner coverage limits guide: hettlerinsurance.com/2025/04/09/what-is-a-coverage-limit-a-texas-homeowners-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#texashomeowners #coveragelimits #Lubbock #westtexas #CIC #hettlerinsurance #gethettler 📄 ... See MoreSee Less

What Is a Coverage Limit? A Texas Homeowner's Guide

hettlerinsurance.com

TL;DR summary: Coverage limits define the maximum amount your insurer will pay for covered losses, and exceeding these limits results in out-of-pocket expenses. Different limit types, such as per-occu...

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Uncover Hidden Power of Insurance FAQs and Insurance SAQs

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