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We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
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Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
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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
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Auto, Home, Biz, Life, Health
Insurance in Lubbock, Texas | Car, Auto, Home, Business, Life, Health | 30 Years Experience | Hettler Insurance Agency
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Home » Renters Insurance
  • Young Lubbock Texas couple at apartment table reviewing Renters Insurance Policy booklet with Hettler Insurance Agency on laptop.
    What Is Renters Insurance? A Clear Guide for Renters
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    What Is Renters Insurance? A Clear Guide for Renters
    Tags: Deductible, Endorsements, Liability, Lubbock Texas, Texas Homeowners Insurance|

    Discover what renters insurance is and how it protects your belongings and finances. Learn affordable coverage options today! Renters insurance in Texas — what it covers, ACV vs replacement cost, and why $13–$20/month protects thousands. Ron Hettler, CIC. (806) 798-7800.

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  • Should College Students Buy Renters Insurance? | Hettler Insurance Agency, Lubbock Texas
    Should College Students Buy Renters Insurance?
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    Should College Students Buy Renters Insurance?
    Tags: Business Insurance, Deductible, Hettler Insurance Agency, home insurance, Insurance Advice, Liability|

    After the cost of tuition and books, a lot of college students may not be so eager to spend even more money to buy renters’ insurance. This might, usually, be a mistake. For a student living on-campus, they’re not probably worried about renters insurance. That is if their parents’ homeowner’s policy will cover any loss or damage to personal items. But, verify if the parents’ […]

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    Protecting Your Property for Storms in Lubbock
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    Protecting Your Property for Storms in Lubbock

    Now that the year is almost over, it’s time to evaluate 2016’s storm season in Lubbock and the greater south plains. We interviewed Joel Mowery, Co-Owner of SERVPRO of Southwest Lubbock. Together with Ron Hettler, President of Hettler Insurance, we have two experts on protecting property and restoring what is lost after a disaster.

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  • Spookiest Halloween Insurance Claims | Hettler Insurance Agency, Lubbock Texas 806-798-7800
    The Spookiest Halloween Insurance Claims
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    The Spookiest Halloween Insurance Claims
    Tags: auto insurance, health insurance, home insurance|

     Halloween is known for bats, vampires, ghosts, witches, candy, and… insurance claims? These can be the spookiest of all. And Halloween is one of the biggest days for the kind of trickery that leads to insurance claims.

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  • small turkey
    Small vs. Large Insurance Carriers
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    Small vs. Large Insurance Carriers

    With Thanksgiving right around the corner, allow us to use this analogy to describe small vs. large insurance carriers. No one wants a small turkey for their family, you want quality meat at an affordable price that can feed everyone. Same with insurance, a policy that is affordable and provides adequate coverage should be the goal for a new auto, home or renters policy.

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  • Why Home-Sharing May Not Be Insured By Your Policy…
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    Why Home-Sharing May Not Be Insured By Your Policy…
    Tags: Business Insurance, home insurance|

    Travelers using Airbnb and HomeAway look to fully immerse themselves in the culture of a city by sharing the home of a local host, while a host makes some extra cash by allowing a stranger to stay with them. As the popularity of a ‘sharing economy’ increases in our society, it’s important to be armed with all of the facts when it comes to participating […]

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  • Proposal in Lubbock Texas | Hettler Insurance Agency
    Top Places To Propose In Lubbock
    Gallery
    Top Places To Propose In Lubbock
    Tags: Lubbock Texas, Mae Simmons Park Trail|

    According to the Lubbock county clerk, “millions and millions” of marriages have been performed in Lubbock County since its incorporation in 1881. You can even find Buddy Holly’s marriage certificate in the hard copies on file at the courthouse. The mechanics of maintaining all of these hard copies, and of building digital databases is enormous.

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Hettler Insurance Agency
Hettler Insurance Agency
4.5
Based on 31 reviews
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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
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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.

1 day ago

Hettler Insurance Agency
The $1,000 problem most Texas homeowners don't know they have: your standard homeowners policy caps jewelry coverage at around $1,000. Own an $8,000 engagement ring? A $12,000 watch collection? Grandma's diamond earrings? If they're stolen tomorrow, your check is $1,000. Everything above that is gone.The fix is a rider. And it costs less than you think.Ron Hettler, CIC (Certified Insurance Counselor) breaks down what riders actually are and why most policyholders underuse them:▶️ A rider is a legal amendment — Also called an endorsement. It's a separate contract document attached to your base policy that can override exclusions and close specific gaps. Full legal weight. Governs within its scope.▶️ Premium impact is small — Most riders add 5-15% to your annual premium. A $10,000 jewelry rider on an $1,800 homeowners policy typically costs $90-$270 a year — versus buying a standalone valuables policy that costs much more.▶️ Some riders are FREE — The accelerated death benefit rider (early access to your life insurance if diagnosed with a terminal illness) is often included at no extra cost in 2026. Check your declarations page. You may already have it.▶️ Timing matters — Most life insurance riders must be selected at purchase. Adding them later means new underwriting, higher costs, or outright denial if your health or age has changed. Do NOT assume you can add later.▶️ Not just for wealthy policyholders — Waiver of premium (keeps your life policy active if you become totally disabled) costs $50-$150/year. That's not a luxury — that's basic financial protection for any family relying on your policy.Common riders that actually earn their keep:• Scheduled personal property — jewelry, watches, art, firearms• Waiver of premium — life insurance during disability• Sewer backup — homeowners water damage from drain backup• Rideshare endorsement — auto coverage during Uber/Lyft driving• Rental reimbursement — auto rental during repairs• Long-term care rider — life policies covering nursing home costsRun gap analysis on every rider: annual premium increase vs. your uncovered exposure. Most decisions are obvious once you see both numbers.Get Better. Get Hettler.Read the full riders guide: hettlerinsurance.com/2026/08/14/what-are-insurance-riders-your-coverage-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#InsuranceRiders #endorsements #scheduledpersonalproperty #lifeinsurance #homeowners #lubbock #hettlerinsurance #gethettler ✨ ... See MoreSee Less

What Are Insurance Riders? Your Coverage Guide

hettlerinsurance.com

TL;DR summary: Insurance riders are legal amendments that customize existing policies to better suit individual risks and needs. They work by attaching to the primary policy, overriding exclusions, an...
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Hettler Insurance Agency is at Hettler Insurance Agency.

2 days ago

Hettler Insurance Agency
The most misunderstood number on your Texas insurance policy has one job: to tell you what a claim actually costs you.Your deductible is not a fee your insurer charges. It is the portion of every covered loss you absorb before your policy pays a single dollar. Get this number wrong, and a Lubbock hail storm can hand you a five-figure bill you were not prepared for.Ron Hettler, CIC (Certified Insurance Counselor) breaks down what every Texas homeowner and renter needs to understand:▶️ Two kinds of deductibles — Flat dollar (like $500, $1,000, $2,500) means you owe that fixed amount every time. Percentage means you owe a share of your home's insured value — often 1% to 5% — applied specifically to wind and hail claims in Texas.▶️ The percentage trap — A 2% wind/hail deductible on a $300,000 home is $6,000 owed BEFORE your insurer pays for a single shingle. At 5%, that number is $15,000. The percentage is listed separately on your declarations page.▶️ Per-incident, not annual — Texas property policies apply your deductible EVERY time you file. File three claims in a year, you pay your deductible three times. There is no annual reset like health insurance.▶️ Peril-specific deductibles — Your policy can carry different deductibles for fire, theft, flood, wind, and hail. Each applies only to its specific peril. Assuming one deductible covers everything is one of the most expensive mistakes we see.▶️ The premium trade-off — Raising your deductible from $500 to $1,000 typically saves 15% to 30% on your annual premium. But if you cannot write a check for that deductible today without stress, it is set too high.The rule that never fails: never carry a deductible higher than the cash you can access without going into debt. Premium savings are meaningless if a storm forces you to borrow to pay your share of the loss.Get Better. Get Hettler.Read the full deductible guide: hettlerinsurance.com/2026/08/13/what-is-an-insurance-deductible-texas-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#InsuranceDeductible #windhaildeductible #texashomeowners #lubbock #InsuranceExplained #hettlerinsurance #gethettler 🏠 ... See MoreSee Less

What Is an Insurance Deductible? Texas Guide

hettlerinsurance.com

TL;DR summary: An insurance deductible is the fixed amount you pay out of pocket before your insurer covers a covered claim, affecting your premiums and claim costs. In Texas, deductibles are typicall...
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Hettler Insurance Agency
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4720 S Loop 289, Lubbock, TX 79414

Hettler Insurance Agency, Lubbock Texas, (806) 798-7800
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“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.

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