Dirt Bike in Lubbock, Texas, Motorsport ATV Insurance | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, Call 806-798-7800

DOES IT HAVE A KEY?
…Then you probably need vehicle insurance.

Get Motorsport Insurance for your ATV, Dirt Bike, Wave Runner, Golf Cart

There are a lot of ways to have fun outside in West Texas. Whether you’re hitting the trails at Buffalo Springs Lake, the links at the Rawls Golf Course, or a nearby state park, the last thing you want to worry about is whether your “having fun” insurance policy has you protected.

Hettler Insurance Agency can help you get the specialized coverage you need for specialized vehicles. We can help protect your investment and let you focus on having fun!

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We do the shopping so you don’t have to.

And… we translate insurance-ese into plain English.

Motocross Four-Wheeler Off-Road ATV | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas

Are Your Off-Road Toys Covered?

  • ATV (All-terrain vehicle) insurance
  • Dirt bike insurance
  • Dune buggy insurance
  • Golf cart insurance (hey, weird things can happen on the golf course, you probably have a story or two, right)
  • Snowmobile insurance (Haven’t insured one of these yet, but we are ready!)
  • Any other motorsports insurance
Motocross Four-Wheeler Off-Road ATV | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas

  • Auto Policies Don’t Cover Specialized Vehicles: Most specialized vehicles (ATV, dirtbike, dunebuggy, etc.) aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property.
  • Motorsports Vehicle Insurance Can Be Required: What’s more, many national, state, or other public parks in Texas require specialty vehicle riders to be properly insured.

Several factors can affect the cost of insuring a specialty vehicle (ATV/dirtbike/dunebuggy/etc.). So what can you do to help keep your rates low?

  • Be Safe: If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
  • Choose Your Vehicle Carefully: Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.
  • Own More Than One?: With many carriers you can receive a discount if you insure more than one specialty vehicle on your policy. (And, who doesn’t want more toys, right?)

Every specialty vehicle policy is unique, but the following is a quick rundown of the some of the options included in most ATV, snowmobile, dirt bike, golf cart, and other off-road vehicle insurance policies:

  • Collision Coverage: pays for covered damage to your vehicle when in a collision with another vehicle or other object.
  • Property Damage Liability Coverage:: Insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.
  • Bodily Injury Liability Coverage: Insures you against certain damages if you injure or kill someone while operating your vehicle. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.
  • Comprehensive Physical Damage Coverage: pays for covered losses resulting from incidents other than collision – like fire, theft, or vandalism.

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.