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Homeowners Insurance, Protecting All of Texas

When your home is damaged, destroyed or a lawsuit happens on your property, getting the claim settled smoothly and fairly is the highest priority. Hettler Insurance Agency has served homeowners in Lubbock & Texas since 1992. Our family of independent licensed agents, and Certified Insurance Consultants, provide a valuable combination of tailored coverage, quality service, and fair pricing.  We work for you: we do the shopping and comparing so you don’t have to.

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Home Insurance and Dwelling | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas

We Insure All Kinds of Homes

HIA currently works with 15+  home insurance carriers including: Progressive, Safeco, Travelers, Hartford, Metlife, Republic Group, Lloyds, etc. Whether you live in city limits or on a ranch in the country, only HIA is able to deliver a customized policy fit to your needs.

A rented apartment, condominium, mobile home, tiny house, barn, etc typically require different policies, but can still be covered by our team of agents and insurance partners.

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Home Insurance and Dwelling | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas
Insuring the place you call home, protects your financial future, following a loss due to fire, theft, hail, vandalism, or other covered events. It will also provide coverage in the event someone is injured on your property and wins a legal judgment.

Coverage Options: Homeowners policies differ by which losses are covered, all depending on the coverage selected. HIA will work with you to decide on a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or a policy that covers only specified losses. Special types of claims such as floods, earthquakes and wind damage from hurricanes require additional property insurance.

Your home insurance policy is most often made up of specific options, the cost of a premium depends on:

  • What You Select: Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverage is purchased. Texas weather is unpredictable, but most homeowners need coverage for fire, wind and hail damage.
  • How much you want to cover: Higher deductibles usually lower your premium price by shifting part of the loss payment to you. The standard deductible for a home insurance policy is 1% of the insurance value on the home. If your home was insured for $150,000, you would be responsible for the first $1,500 (1%) of damage.
  • Where you set your limits: You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
  • Get better coverage in a liability lawsuit: Consider an umbrella insurance policy that extends your home liability in increments of $1,000,000 in coverage.
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect. HIA can reveal how likely an event could affect your home.

  • Protection for Your Home: Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
  • Protection for You and Other People: Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
  • Medical Coverage: This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
  • Additional Living Expenses: If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
  • Protection for Your Belongings: Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
  • Scheduled Personal Property Coverage: Many items have limited coverage. Read our blog for information on covering jewelry, guns and other valuable personal property. Talk to your agent about this additional coverage. It provides broader coverage for specific items.
  • If You Rent Out Your Home: Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.
Texas Ranch | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas

Lubbock – Protect the Things that Matter to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods for personal items can help expedite the claim resolution process. Keep this list somewhere other than your home (yes, that sounds obvious, but you’d be surprised). Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.

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Choose Your Insurance Type!

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.