Skip to content
NEWS TICKER:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
//
Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
//
Danger: FPE Panel Stab-Lok Circuit Breakers
NEWS:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
//
Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
//
Danger: FPE Panel Stab-Lok Circuit Breakers
4720 S Loop 289, Lubbock, TX 79414
Mon – Fri: 8:30am to 5pm
Auto, Home, Biz, Life, Health
Insurance in Lubbock, Texas | Car, Auto, Home, Business, Life, Health | 30 Years Experience | Hettler Insurance Agency
  • Home
  • About Us
    • Why Independent Agent
    • Reviews & Testimonials
    • Insurance FAQs
    • Insurance SAQs
    • Insurance Glossary
    • Helpful Links
  • Car Home Quote
  • Life Quote
  • Insurance
    • Auto Insurance
      • Free Auto Insurance Quote
      • Motorsport and ATV Insurance
      • Boat & Watercraft Insurance
      • RV & Mobile Home Insurance
    • Homeowners Insurance
      • Free Home Insurance Quote
      • Renters Insurance
        • Landlord Insurance
      • Condo Insurance
      • Flood Insurance
        • Storm and Hail Insurance
      • Earthquake Insurance
    • Business Insurance
      • Business Owners Policy
        • Commercial Liability Insurance
        • Commercial Property & Auto
        • Workers Comp Insurance
        • Cyber Security Insurance
      • Contractors Insurance
        • General Contractor Remodeler
        • Inland Marine Insurance
        • Builder’s Insurance
          • Carpentry and Cabinets Installer Insurance
        • Electrician Insurance
        • HVAC Contractor Insurance
      • Hotel Insurance
        • Restaurant & Bar Owners
      • Medical Providers Insurance
    • Life/Health Insurance
      • Life insurance
      • Personal Umbrella Insurance
  • Blog | News
    • Lubbock Business News
    • FPE StabLok Breaker Panels
  • Contact
Call (806) 798-7800

Lubbock Insurance

Home » Lubbock Insurance
  • Is Lubbock Insurance Hard To Find? | 806-798-7800, Hettler Insurance Agency, Lubbock Texas
    Is Lubbock Insurance Hard To Find?
    Gallery
    Is Lubbock Insurance Hard To Find?
    Tags: auto insurance, Business Insurance, health insurance, Hettler Insurance Agency, Lubbock Insurance Agent|

    Is Lubbock Insurance Hard To Find? | 806-798-7800, Hettler Insurance Agency, Lubbock Texas Buying insurance doesn’t have to be hard. You just need a friend on the inside. Hello, friend. Come on inside, our door is open (we’ve even got a handy drive-thru window, the only agency in Lubbock Texas). Let us do the hard work for you. You don’t have time to shop for […]

    read more
  • Lubbock Insurance Stop This Now, Let Us Help | Hettler Insurance Agency, Lubbock Texas
    Stop Trying To Do Lubbock Insurance All Alone [infographic video]
    Gallery
    Stop Trying To Do Lubbock Insurance All Alone [infographic video]
    Tags: auto insurance, Business Insurance, health insurance, Hettler Insurance Agency, home insurance, life insurance, Lubbock Insurance Agent|
    read more
  • Small Business Support Social Good, Matters To Your Community | Hettler Lubbock Insurance Texas
    Conscious Consumer: Supporting Small Businesses [infographic]
    Gallery
    Conscious Consumer: Supporting Small Businesses [infographic]
    Tags: Business Insurance, infographic, Lubbock Insurance Agent, Lubbock Texas, texas|

    Why it matters to you and your community. But, how small is small? The definition of a small business varies drastically depending on which organization, group, or government agency you ask. Generally, though (and the SBA leaves lots of wiggle room), it is an independently-owned business with fewer than 500 employees that earns less than $1 million per year in combined revenue and sales, Fundera. […]

    read more
  • insurance discussion
    Hettler Insurance Agency, Inc. Celebrates 25 Years in Lubbock
    Gallery
    Hettler Insurance Agency, Inc. Celebrates 25 Years in Lubbock

    Building a Better Insurance Agency A quarter-century is a long time in the insurance world. Ron Hettler, owner of Hettler Insurance Agency in Lubbock, has weathered many changes. “What is most remarkable is a realization that we’ve insured individuals born in three different centuries,” Hettler said. “Generations of families and businesses have counted on HIA. It’s what keeps us motivated for the future.” As the […]

    read more
  • health insurance
    What Happens If You Don’t Have Health Insurance?
    Gallery
    What Happens If You Don’t Have Health Insurance?
    Tags: health insurance|

    December 15th came and went. This was the deadline for signing up for health insurance plans private or government subsided that would begin January 1st, 2015. However, the open enrollment period for 2015 is still ongoing until February 15th, 2015. Sign up for health insurance before Valentines Day to get health insurance on March 1st, 2015 and to avoid tax penalties that will increase each […]

    read more
  • Enrolling in & Understanding the Affordable Care Act or ACA (Obamacare) | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas
    Enrolling in & Understanding the Affordable Care Act or ACA (Obamacare)
    Gallery
    Enrolling in & Understanding the Affordable Care Act or ACA (Obamacare)
    Tags: health insurance, Lubbock Insurance Agent|

    Regardless of your feelings, the ACA that was passed in March of 2010 is here. In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December.

    read more
  • Tornado Moore, OK and Lubbock, TX Insurance | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas
    Could Lubbock, TX Have the next Moore, OK tornado?
    Gallery
    Could Lubbock, TX Have the next Moore, OK tornado?
    Tags: auto insurance, Business Insurance, Lubbock Insurance Agent|

    Tornado!  The mere word conjures up fear.  Lubbock, TX has experienced 92 tornadoes over the past 56 years according to http://www.tornadohistoryproject.com/tornado/Texas/Lubbock  Lubbock averages more than one tornado in the county each year.  So there’s no question that we have an abundance of activity that regularly strikes our town.

    read more
  • Website Homepage | Hettler Insurance Agency, Lubbock Texas
    Hettler Insurance launches new website
    Gallery
    Hettler Insurance launches new website
    Tags: auto insurance, health insurance, home insurance, Lubbock Insurance Agent|

    Ronald Hettler, CIC of Hettler Insurance Agency in Lubbock, TX announces the launch of their newly designed website serving insurance buyers throughout Texas.  On their site, you may quote and/or purchase auto insurance, home insurance, renters insurance, and health insurance.  Hettler Insurance Agency is an independent agency represents dozens of carriers including Travelers, Progressive, Safeco, Hartford, and Blue Cross Blue Shield of Texas.  For more information visit:  www.hettlerinsurance.com or […]

    read more
Hettler Insurance Agency
Hettler Insurance Agency
4.5
Based on 31 reviews
powered by Google
review us on
blaine bearman
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
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
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
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
See All Reviews
js_loader
  • Popular
  • Recent
  • texas solar ranking
    Solar Powered Homeowners Insurance in Texas
    July 14, 2016
  • 4 Reasons Lubbock Texas is Dangerous
    June 19, 2019
  • Hidden Dangers FPE Panel Stab-Lok Circuit Breakers and Your Home square-ebook-cover | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Danger: FPE Panel Stab-Lok Circuit Breakers
    March 19, 2024
  • Lubbock growing
    Top Reasons Lubbock Is The Best Place To Live In 2019
    June 19, 2019
  • Texas Billion-Dollar Disaster Events 1980-2024 CPI Adusted chart, copyright NOAA | Lubbock Texas Hail | Home Insurance in Texas
    Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
    August 29, 2024
  • Caregiver assisting older adult in Texas facility considering long-term care costs in Texas. What drives your premium?
    Long-Term Care Insurance Costs in Texas: What Drives Premium
    October 8, 2026
  • Consumer directed health plan (CDHP): Lubbock family with an HSA card, prescription, and a growing coin jar at golden hour.
    Consumer Directed Health Plan: Is It Right for You?
    October 7, 2026
  • Texas homeowners compare three home insurance quotes side by side at a Lubbock patio table with the skyline at sunset.
    How to Find the Best Coverage for Texas Homeowners
    October 6, 2026
  • Couple discusses Texas landlord insurance rates papers at a shaded backyard table beside a rental home on a sunny day.
    Landlord Insurance Rates in 2026: What You’ll Pay
    October 5, 2026
  • Lubbock Texas woman in glasses reviews loan from life insurance policy documents at a cafe table beside a navy coffee mug and calculator.
    Loan from Life Insurance: What Policy Owners Need to Know
    October 2, 2026

Categories


Archives


Facebook Feed

Cover for Hettler Insurance Agency
631
Hettler Insurance Agency

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.

8 hours ago

Hettler Insurance Agency
Two Texans with the same long-term care benefit can pay very different premiums for long-term care insurance in Texas. The gap almost always comes down to when they applied, how healthy they were, and how the policy was built. Ron Hettler, CIC (Certified Insurance Counselor) explains what to check before you sign:WHAT MOVES YOUR PREMIUM• Your age and health on the day you apply• Daily or monthly benefit amount• Benefit period (how many years it pays)• Elimination period (the waiting period before benefits start)• Inflation protectionASK BEFORE YOU BUY• What is this carrier's 10-year rate-increase history in Texas?• Is this quote all-inclusive, or are fees added later?• Does it cover home care and assisted living, or only nursing facilities?• Is a nonforfeiture option included?KNOW THE GAPSMedicare doesn't pay for ongoing custodial care. A Texas Partnership policy can protect your assets dollar-for-dollar if you ever need Medicaid.HOW HETTLER HELPSWe run your exact scenario across multiple carriers and compare their rate histories side by side, with no fee for the review.Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/10/08/long-term-care-insurance-cost-texas/(806) 798-78004720 S Loop 289, Lubbock, TX 79414#longtermcare #LTCInsurance #retirementplanning #TexasFamilies #lubbock #hettlerinsurance #gethettler ... See MoreSee Less

Long-Term Care Insurance Costs in Texas: What Drives Premium

hettlerinsurance.com

TL;DR summary: Your age and health on the day you apply set the baseline for your long-term care premium. In AALTCI’s 2025 price index, a policy bought at 65 cost roughly 80% more each year than the...
View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

Hettler Insurance Agency is at Hettler Insurance Agency.

1 day ago

Hettler Insurance Agency
Open enrollment is almost here. Is a consumer directed health plan (CDHP) right for you?WHAT IS A CDHP?A high deductible health plan paired with a tax-advantaged health savings account (HSA). Lower monthly premiums, but more out-of-pocket cost before insurance shares the bill.THE UPSIDEHSA contributions, growth, and qualified withdrawals are tax-advantaged, unused funds roll over every year, and preventive care is typically covered before the deductible.THE CATCHA bad health year means a bigger bill up front. If you couldn't cover your full deductible tomorrow, a lower-deductible plan may serve you better.RUN THE THREE-NUMBER TESTExpected medical spend + premium savings + any employer HSA contribution. If the savings cover most of your expected spend, a CDHP usually wins.As an independent agency, we compare CDHP and traditional options across 30+ carriers for your actual household, at no extra fee.Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/10/07/consumer-directed-health-plan/(806) 798-78004720 S Loop 289, Lubbock, TX 79414#healthinsurance #openenrollment #HSA #cdhp #lubbock #hettlerinsurance #gethettler 💊 ... See MoreSee Less

Consumer Directed Health Plan: Is It Right for You?

hettlerinsurance.com

TL;DR summary: A consumer directed health plan (CDHP) pairs a high deductible health plan with a tax-advantaged health savings account (HSA). You pay lower monthly premiums but take on more out-of-poc...
View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

Hettler Insurance Agency is at Hettler Insurance Agency.

2 days ago

Hettler Insurance Agency
The lowest premium isn't always the best homeowners coverage for Texas home insurance. Here's how Texas homeowners can compare quotes the right way:MATCH YOUR DWELLING LIMIT TO REBUILD COSTNot market value, and not your appraisal district number. Getting this wrong is how homeowners end up underinsured.CHECK YOUR WIND/HAIL DEDUCTIBLEA percentage deductible is calculated from your home's value, and it can mean a much bigger out-of-pocket bill after a hail storm than a flat deductible.KNOW YOUR ROOF TERMSDoes your roof settle at replacement cost or actual cash value? Roof age can change the answer.DON'T WAIT ON FLOODFlood is a separate policy, and NFIP coverage typically has a 30-day waiting period. Inland Texas homes flood too.DOCUMENT BEFORE THE STORMDated photos, receipts, and a room-by-room video inventory make claims faster and smoother.As an independent agency, we shop 30+ top-rated carriers side by side for you, with no extra fee.Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/10/06/how-to-find-the-best-coverage/(806) 798-78004720 S Loop 289, Lubbock, TX 79414#texashomeowners #homeinsurance #hailseason #floodinsurance #lubbock #hettlerinsurance #gethettler 🏠 ... See MoreSee Less

How to Find the Best Coverage for Texas Homeowners

hettlerinsurance.com

TL;DR summary: The best coverage for a Texas homeowner isn't the lowest home insurance premium. It's the insurance policy that fits once you compare quotes side by side. Set your dwelling limit to reb...
View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email


Trusted. Expert. Advisors.

Don’t Do Insurance Alone!
Free Quote
  • 30+ years insurance experience.
  • Need a friend on the inside?
  • We speak insurance-ese.

  • Let us do the hard work FOR you!
  • Get Better, Get Hettler!

Call (806) 798-7800

4720 S Loop 289, Lubbock, TX 79414

Hettler Insurance Agency, Lubbock Texas, (806) 798-7800
  • About Us
  • Why an Agency
  • Insurance FAQs
  • Insurance
  • Blog | News
  • Lubbock Biz News
  • Contact

Copyright © 1992- | Hettler Insurance Agency (License # 9513) | All Rights Reserved | Sitemap | Privacy | Disclaimer | Contact

“This site is intended for general informational and educational use only. It is not exhaustive and should not be construed as professional, financial, medical, or legal advice; or actual specific insurance policy terms. Please contact our insurance professionals online, by phone, or in-person for further specific information to receive a quote or inquire about your own policy if you are a current client. It’s possible that online content may not be complete, correct, or up-to-date due to fluctuations in insurance markets and/or other factors. You agree that if we contact you by phone, mail, or electronically that it’s because you have consented for us to do so.”

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Page load link
Go to Top