From businessmen, businesswomen, owners, leaders, and professionals. Representing specific classifications of businesses inside the Lubbock Business Association, in the Lubbock, Texas area. Committed to promoting the economic growth of this Lubbock business community.
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Restaurant insurance essentials: Must-have coverage for Texas owners
Discover Texas restaurant insurance essentials to protect your business. Learn critical coverage types and make informed decisions today! Texas restaurants face dram shop laws, hail, and unique workers' comp rules. Here's the 5-policy coverage stack every owner should know before renewal.
Comprehensive auto insurance: protect your car from hail
Discover what is comprehensive auto insurance and how it protects your car from hail damage. Stay covered in Texas storms—learn more now! Texas liability won't pay a dime for hail damage. Comprehensive auto insurance does — and a hail claim usually won't raise your premium. Here's why.
Business interruption insurance: a Texas owner’s guide
Discover what business interruption insurance is and how it protects Texas small businesses from income loss during repairs. Your property policy fixes the building. Business interruption insurance replaces lost Texas income — if your records and endorsements line up.
Why regular insurance policy reviews protect Texas homeowners
Discover why getting an insurance policy review is crucial for Texas homeowners. Protect your finances from unexpected costs after severe weather! A 1% to 2% wind/hail deductible shift can cost $4,000+ at claim time. Use this annual policy review checklist before hail season.
Life insurance for Texas families: What it covers in 2026
Learn what life insurance covers for Texas homeowners and families, how it pairs with homeowners insurance, and how to avoid costly coverage gaps in 2026. Young Texas families carry only 3.5x income in life insurance; experts say 10-15x. See what life insurance covers and how it pairs with home coverage.
Texas business liability: coverage, compliance, and protection
Texas doesn't require liability insurance for all businesses, but contracts and permits often do. Learn what coverage you need, who requires it, and how to stay compliant. Insurance for business liability in Texas is not required — but clients, landlords, and permits often do. See what triggers it and how to comply.
Business Community Member Highlight
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 since 1992. Our family of independent agents and Certified Insurance Counselors provide a valuable combination of tailored coverage, quality service, and fair pricing.
We Insure All Kinds of Homes
HIA currently represents more than a dozen top carriers including: Progressive, Safeco, Travelers, Hartford, Metlife, Hippo and StateAuto. 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, or tiny house, typically require different policies, but can still be covered by our team and insurance partners.
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 can help expedite the claim resolution process. Keep this list somewhere other than your home (I know that sounds obvious). 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 and your family.