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.
Support Lubbock Business in Texas | SHOP LOCAL | Support Community | Support Your Home | Lubbock Texas
Business insurance audit guide for Texas owners
A business insurance audit is not an investigation — it's a routine check that your premium matches your actual operations. Ron Hettler, CIC explains what triggers a Texas audit, the documents you need, how workers' comp and general liability audits differ, and the classification mistakes that cost businesses thousands.
How Percentage Deductibles Work on Texas Homes
How Percentage Deductibles Work on Texas Homes Many Texas homeowners know they have a deductible—but far fewer understand that some deductibles are based on [...more]
Texas Homeowners Policy Wind and Hail Deductible
What Is a Wind and Hail Deductible on a Texas Homeowners Policy? Many Texas homeowners are surprised to learn that their insurance policy may [...more]
Optimize Your Business Owners Policy Workflow for Better Coverage
Optimize your Texas Business Owners Policy Workflow with a proven 5-stage workflow for better coverage and peace of mind: — data collection, coverage selection, endorsement review, binding, and verification. Ron Hettler, CIC explains how Lubbock business owners close coverage gaps and use the declarations page as their single source of truth. Avoid gaps and confidently manage your insurance process today!
Storm insurance essentials for Lubbock homeowners
Discover storm insurance essentials for Lubbock Texas homeowners. Learn how to protect your property from severe weather with our comprehensive guide! Lubbock sits in one of the most severe hail corridors in the country — and standard homeowners policies often skip flood, exclude cosmetic hail damage, and pay only depreciated value on older roofs. CIC-certified independent agent Ron Hettler explains every storm-coverage essential Lubbock homeowners need: hail, wind, flood, ACV vs. RCV, and the questions to ask before the next West Texas storm hits.
Texas contractor insurance compliance: Win more jobs
Unlock new jobs in Texas by mastering the role of compliance in Texas contractor insurance. Stay licensed and competitive with our expert insights!
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.