MAKE YOUR TIME ON THE WATER RELAXED AND WORRY-FREE!
Boat & Watercraft Insurance
Hettler Insurance Agency sells comprehensive protection for you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.
Whether you captain a 30 foot speedboat, jetski/wave runner, fishing boat, tubing/wake board boat or even a rowboat barrel, we can provide coverage!
Get the Best Quote from Multiple Carriers!
What to Look for in a Watercraft Insurance Policy
- Navigational Area: Know where you are covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.
- Agreed Value Coverage: Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
- Liability : Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.
- Medical Payments: Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
- Physical Damage Coverage: Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
Additional Options for a Watercraft Insurance Policy
- Uninsured/Underinsured Watercraft Bodily Injury: Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
- Fuel Spill Liability and Wreckage Removal: Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.
- Personal Effects: Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state – check with Hettler Insurance Agency for information. Personal effects coverage does not include jewelry, watches or furs.
- Unattached Equipment Coverage: This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.
- Emergency Assistance: The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
Vehicle Insurance
Insurance protection for the vehicles that matter most to you.
– Auto Insurance – We insure thousands of cars, trucks, vans, and commercial vehicles used in all types of businesses.
– Motorcycle Insurance – Start your Motorcycle riding experience with insurance through Hettler.
– ATV and Motorsport Insurance – Does it have a key? Is it a dirt bike? We have a program to cover it.
– Classic Car Insurance – Classics and antique vehicles require special coverages. We represent a couple of different carriers to cover them.
– RV and Mobile Home Insurance – Big values traveling down the road? No problem. We handle the big risks all the time.
– Boat and Watercraft Insurance – We cover boats of all sizes.
Property Insurance
Insurance protection for the property that matters most to you.
– Homeowners Insurance – Your home is your castle. Protect your most valuable asset with quality coverage.
– Condo Insurance – Condos are a little different. Call us to get your specialized coverage!
– Renters Insurance – Fires in apartments and rental homes are way too common. Renter’s coverage is really reasonably priced.
– Landlord Protection ™ – Renting your home? Protect yourself with landlord insurance.
– Flood Insurance – You have to have a separate policy to cover flood… It can happen even here in the desert.
– Storm & Hail Insurance – Texas has had thirty-six $100,000,000 or larger disasters from severe storms in the past 25 years and more than 80% of the time, hail was to blame for the damage.
– Earthquake Insurance – Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most home insurance policies do not cover earthquake damage. Good news, earthquake insurance can be inexpensive.
Commercial & Business Insurance
Coverage that helps protect your business
– Business Owners Policy (BOP) – Lubbock County is in the top 10 for commercial property damage due to wind, hail and dust storms; and the top 10 for commercial auto comprehensive claims due to weather; and the top 10 for lightning storm damage.
– General Liability Insurance (GL) – Insurance coverage for when you or your products hurt someone or damage property.
– Commercial Property Insurance – Coverage against Fire, Wind, Hail, and many other perils.
– Business Auto Insurance – Cover your business with insurance for commercial and business vehicles.
– Commercial Liability Insurance – also known as “general liability insurance” is a broad policy that covers a number of liability exposures of a business. Business liability insurance is often the first line of defense against lawsuits from customers, allowing an owner to protect both personal and business assets.
– Commercial Umbrella Insurance – Insurance coverage that gives an extra layer of liability protection from the rising costs of lawsuits.
– Workers’ Compensation Insurance (workers comp) – Medical bills and lost income Insurance coverage that helps you take care of injured employees.
– Cyber Security Insurance – In an era of leaked embarrassing online photos, confidential emails and digitally internet connected employees and customers, it’s no wonder businesses (of all sizes) are rushing to cover themselves with cyber liability insurance.
– Surety Bonds – Get your notary bond, your contractor’s bond, your bid bond, or your performance bond from Hettler Insurance Agency.
– Contractor’s Insurance – Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property.
– Builder’s Insurance – With a good Builder’s Risk policy, the structure, materials and equipment are protected from theft, vandalism and weather damage during the construction phase.
Life/Health Insurance
Insurance protection for your family’s health.
– Health Insurance – Insurance for you, your family, and your pocketbook. Uncovered medical costs can bankrupt you.
– Personal Umbrella Insurance – An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. You may need this in case of a car wreck involving a fatality, etc. For a minimal cost, you can protect your assets, and your future earnings.
– Whole Life Insurance – Life insurance coverage designed to be there for your whole life.
– Term Life Insurance – Insurance protection to help keep your family secure for a specific period of time.