Name: Hettler Insurance Agency
Price range: $$

5-Star Review from Weston T.
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5-Star Review from Weston T.
Tags: Customer Review|
Five-star Google Review: "Ron and his team of agents are fantastic. Great customer service and always fighting to find the best plan for me and my family." ~ Weston T.

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Hettler Insurance CLOSED Friday, JULY 3rd for the 250th Independence Day
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Hettler Insurance CLOSED Friday, JULY 3rd for the 250th Independence Day
Tags: Holiday, Lubbock Insurance Agent|
Hettler Insurance Agency will be closed Friday, July 3, 2026 for the 250th Independence Day. Plus 5 quick Fourth of July facts you may not know.

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Monday Closed, Tuesday Open 10am, Wednesday 10am
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Monday Closed, Tuesday Open 10am, Wednesday 10am
Tags: snow day|
Office Closed Monday, Open Tuesday at 10am, and Open Wednesday at 10am. Call us @ 806-798-7800. This is due to weather and road conditions. Weather permitting, we’ll be back on regular office schedule quick as possible. You can always get a quote started at https://GetHettler.com . Our phone # is (806) 798-7800, M-F 8:30am-5pm. On regular weather days, you can come in at 4720 S […]

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Snow Day, Open @ 10 a.m.
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Snow Day, Open @ 10 a.m.
Tags: snow day|
Due to early morning snow here in Lubbock Texas, Hettler Insurance Agency will open @ 10am today (Jan. 9th, 2025). Drive safe. Prevent auto insurance claims.

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We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
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We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
Tags: auto insurance, Business Insurance, health insurance, Hettler Insurance Agency, home insurance, life insurance, news, Top News|
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Office Closed for Thanksgiving on Nov. 23, 24, 25. Have a Safe Holiday!
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Office Closed for Thanksgiving on Nov. 23, 24, 25. Have a Safe Holiday!
Tags: Holiday|
May you and your families have a safe, happy, and thankful Thanksgiving. Thank you to all our customers, associates/partners, and employees (and their families). We are truly thankful!

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Open Enrollment for Health Insurance Nov 1 to Dec 15, 2022 for coverage that starts Jan 1, 2023
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Open Enrollment for Health Insurance Nov 1 to Dec 15, 2022 for coverage that starts Jan 1, 2023
Tags: health insurance|
Health Insurance, Affordable Healthcare Act (ACA), Obamacare, Marketplace insurance, etc. Whatever name you call it by, it’s that time of year. Remember, you’re generally not allowed to make changes any other time, except after a “Qualifying life event (QLE)” like getting married, having a baby, or losing health coverage. For more info and other QLE examples see HealthCare.gov. And, click here for a Health Insurance […]

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Hettler Insurance Agency
4.5
Based on 31 reviews
review us on
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 in Texas.

6 hours ago

What challenge does Governor Greg Abbott’s affordable small business health insurance plan face? #hettlerinsurancedotcom #Lubbockinsurance #healthinsurance #gregabbott #AffordableHealthInsurance ... See MoreSee Less

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Hettler Insurance Agency is at Hettler Insurance Agency.

8 hours ago

"COINSURANCE" — that word on your health plan AND on your commercial property policy that means TWO very different things, and both cost money if you don't understand them. Ron Hettler, CIC (Certified Insurance Counselor) walks Texas policyholders through both meanings in one clear guide:📊 HEALTH INSURANCE COINSURANCE — the cost-sharing percentageAfter you meet your annual DEDUCTIBLE, coinsurance is the % of covered charges YOU pay before the plan pays 100%. A typical 80/20 plan means:• Insurer pays 80% of the allowed amount• YOU pay 20% until you hit your out-of-pocket max• Coinsurance kicks in ONLY after the deductible is fully met• Then coinsurance and copays keep counting toward your OOP MAX💰 2026 CMS OUT-OF-POCKET MAX (STOPS COINSURANCE)• Individual: $10,600• Family: $21,200Once you hit that, the insurer covers 100% of covered in-network care for the rest of the year.🩺 COINSURANCE vs COPAY vs DEDUCTIBLE• DEDUCTIBLE = flat annual amount you pay first before ANY cost-share kicks in• COPAY = fixed $ per visit (predictable — $30 for a PCP visit, $75 for a specialist)• COINSURANCE = variable PERCENTAGE (unpredictable — 20% of a $40K surgery = $8,000)Copays are stable. Coinsurance can swing hard on a big bill. That's why your OOP MAX matters most.🏢 PROPERTY COINSURANCE — the PENALTY clause (different animal)On commercial property policies AND some homeowners forms, coinsurance is a PENALTY that applies when you under-insure. The typical requirement: insure to at least 80% of REPLACEMENT COST at time of loss. If you don't, the insurer reduces your claim payout proportionally, EVEN ON A PARTIAL LOSS.EXAMPLE (the one that hurts):• Building replacement cost = $500,000• 80% coinsurance requirement = you must carry AT LEAST $400,000• You carried only $300,000 (75% of required)• Partial loss of $50,000• Insurer pays only: $50,000 × ($300,000 / $400,000) = $37,500• YOU eat $12,500 out of pocket — for a covered claim.🚨 HOW TO AVOID THE PROPERTY COINSURANCE PENALTY• Get an updated REPLACEMENT COST valuation ANNUALLY — construction costs jumped 20-40% in Texas over the last 4 years• Consider AGREED VALUE / WAIVER OF COINSURANCE endorsement (some carriers offer it) — removes the penalty entirely if you agree on the value upfront• Match building coverage to actual replacement cost, not market value• BLANKET COVERAGE across multiple locations can reduce coinsurance risk• Review at renewal AND after any expansion, renovation, or roof replacement📋 HOW TO MANAGE HEALTH COINSURANCE COSTS• Stay IN-NETWORK — out-of-network care may not count toward OOP max• Use PREVENTIVE care (covered at 100% under ACA, no cost-share)• Ask for cash/discount pricing when you haven't hit your deductible yet• HSA-eligible plan? Use pre-tax dollars to pay coinsurance• Match plan design to your expected utilization: low-user = HDHP + HSA; high-user = lower deductible + higher premium🚨 THE CONFUSION I SEE MOST1. Owners thinking coinsurance kicks in BEFORE the deductible (it doesn't)2. Commercial policyholders never updating replacement cost, then getting hit with a penalty3. Assuming "coinsurance" means the same thing on health and property (it doesn't)4. Confusing coinsurance with copay and getting surprised by a big % bill🏆 HETTLER = INDEPENDENT30+ carriers. We help you match commercial property coverage to true replacement cost so the coinsurance penalty NEVER triggers, and we explain your health plan's cost-share math so there are no surprise bills.Get Better. Get Hettler.Read the full coinsurance guide: hettlerinsurance.com/2023/07/13/what-is-coinsurance-in-insurance-a-clear-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#Coinsurance #HealthInsurance #PropertyInsurance #Lubbock #WestTexas #CIC #HettlerInsurance #GetHettler 📊 ... See MoreSee Less

What Is Coinsurance in Insurance: A Clear Guide

hettlerinsurance.com
TL;DR summary: Coinsurance in Texas is a cost-sharing percentage that you pay after meeting your deductible, stopping at your annual out-of-pocket limit. In property insurance, it functions as a penal...

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Hettler Insurance Agency is at Hettler Insurance Agency.

10 hours ago

Texas contractor? Ron Hettler, CIC (Certified Insurance Counselor) has spent years watching hard-working trades and general contractors get burned by the SAME 5 insurance mistakes over and over. Any one of them can turn a small job into a business-ending claim.Here's the list — and what to do about each ONE:🔨 MISTAKE #1: UNDERESTIMATING COVERAGE LIMITSMost contractors are carrying $1M/$2M General Liability limits because that's what a landlord or first client required years ago. Meanwhile jobs have grown, subcontract values have doubled, and a single settlement can now easily exceed $1M. Rule of thumb:• Small residential trades: $1M/$2M MINIMUM, $2M/$4M is smarter• Commercial GC or larger jobs: $2M/$4M base + $2M-$5M umbrella• Anything with heights, cranes, roofs, or life-safety = MORE limits, not less• Match the largest contract you have, PLUS one tier🔨 MISTAKE #2: NEGLECTING SUBCONTRACTOR COI VERIFICATIONYour subcontractor's claim can end up on YOUR policy if you never verified their Certificate of Insurance. What to demand from every sub:• Current COI naming YOUR business as ADDITIONAL INSURED• GL limits equal to or greater than yours• Workers' comp coverage (mandatory even in TX where it's technically optional)• Auto liability if they drive to your jobsite• RENEWAL COI when their policy renews — track expiration dates• If sub doesn't have coverage, their loss becomes YOUR loss🔨 MISTAKE #3: MISUNDERSTANDING TOOLS & EQUIPMENT COVERAGEGENERAL LIABILITY DOES NOT COVER YOUR TOOLS. Ever. Not on the truck. Not on the jobsite. Not stolen from the trailer.You need:• INLAND MARINE / TOOLS & EQUIPMENT POLICY (separate coverage)• Schedule high-value tools individually• Blanket coverage for smaller items with per-item sub-limit• Coverage for tools in transit AND at temporary jobsite• Rented / leased equipment coverage if you rent lifts, compressors, etc.🔨 MISTAKE #4: THE COMPLETED OPERATIONS + PROFESSIONAL LIABILITY GAPTwo coverages contractors constantly overlook:• COMPLETED OPERATIONS — covers claims that surface AFTER the job is finished. Roof leak 2 years later, deck collapse 6 months later, water damage from a joint that fails. If your GL doesn't include products-completed operations OR you let coverage lapse before the discovery, you're paying out of pocket.• CONTRACTORS PROFESSIONAL LIABILITY (CPL) — needed when you're providing design-assist, value engineering, or ANY professional judgment beyond trade execution. GL doesn't touch it.🔨 MISTAKE #5: MISCLASSIFICATION, IGNORED EXCLUSIONS, SKIPPED REVIEWS• Wrong CLASS CODE on your work comp or GL = wrong premium AND grounds for claim denial• Ignored EXCLUSIONS = surprise gaps (residential-only vs commercial, excluded operations, height restrictions, radius restrictions)• Skipped annual REVIEW = coverage that fits last year, not this yearReview ANNUALLY and IMMEDIATELY when you: add employees, take on bigger jobs, expand into new work types, or hire a new sub trade.🚨 THE REAL LESSONEvery one of these mistakes is preventable. And every one of them costs FAR more when it becomes a claim than it does to fix in advance.🏆 HETTLER = INDEPENDENT30+ carriers. We know which ones underwrite roofers, HVAC, plumbing, electrical, GCs, framers, and specialty trades — and we track your subcontractor COIs so nothing slips.Get Better. Get Hettler.Read the full contractor mistakes guide: hettlerinsurance.com/2026/09/10/common-insurance-mistakes-for-contractors-in-texas/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#TexasContractor #ContractorInsurance #Lubbock #WestTexas #CIC #SmallBusiness #HettlerInsurance #GetHettler 🔨 ... See MoreSee Less

Common Insurance Mistakes for Contractors in Texas

hettlerinsurance.com
TL;DR summary: Contractors often make preventable insurance mistakes that can cause significant financial losses. Underestimating coverage limits and neglecting subcontractor insurance verification ar...

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