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We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
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Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
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NEWS:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
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Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
//
Danger: FPE Panel Stab-Lok Circuit Breakers
4720 S Loop 289, Lubbock, TX 79414
Mon – Fri: 8:30am to 5pm
Auto, Home, Biz, Life, Health
Insurance in Lubbock, Texas | Car, Auto, Home, Business, Life, Health | 30 Years Experience | Hettler Insurance Agency
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  • Progressive Keys To Progress, Giving Back To Veterans | Hettler Insurance Agency, Lubbock Texas
    [video] Keys to Progress for Veterans
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    Keys to Progress for Veterans
    Tags: auto insurance, Business Insurance, Vehicle, Veterans|

    As you may know, this week is National Veterans Small Business Week. But, you may not know that every November Progressive Insurance has a one-day vehicle giveaway program for some lucky veterans. It’s called the Keys to Progress® Program (#KeysToProgress), Giving Back to Those Who Gave So Much. Since 2013, the program has donated more than 600 vehicles to our veterans and various veteran organizations. […]

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  • Gap Insurance, Auto Insurance | Hettler Insurance Agency, Lubbock Texas, Call 806-798-7800
    Gap Insurance: What is it and How it Works
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    Gap Insurance: What is it and How it Works
    Tags: auto insurance, loan lease insurance, payoff|

    Buy the Gap When a Car is Financed or Leased No, this isn’t coverage against an ill-planned shopping spree at a certain clothing store in your local mall. In short, gap insurance protects you from owing more than your car is worth in case of a major accident or theft. If your vehicle is stolen, or totaled by an accident or natural disaster, the amount […]

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  • Full Coverage Plainview Texas Auto Insurance
    Low-cost Full Protection, Plainview Auto Insurance
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    Low-cost Full Protection, Plainview Auto Insurance
    Tags: auto insurance, Plainview|

    Do you understand what it means to have the protection of full coverage auto insurance? Complete protection for vehicle insurance means you have more than simply the minimum car and truck insurance coverage that will just “get by” in Plainview, Texas. With complete coverage insurance, you and your automobile are simply that–fully covered and safeguarded against anything that might take place to you or your […]

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  • Customer Reviews, Get Better, Get Hettler
    Happy Lubbock Auto Insurance Customer Review
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    Happy Lubbock Auto Insurance Customer Review
    Tags: auto insurance, Customer Review|

    Hettler Insurance Agency would like to thank Brandon Word of Lubbock, Texas, for his kind words on Facebook today. After all, everyone loves a kind word. We do love helping our customers get the best deal on auto insurance, home insurance, etc. When customers go out of their way to let people know how happy they are, then we know we’re doing a good job. […]

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  • Plainview Texas Courthouse
    Plainview Texas, Cows And Antiques
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    Plainview Texas, Cows And Antiques
    Tags: auto insurance, Plainview|

    We recently made a trip to Plainview, Texas, Hale County seat, to admire the county courthouse and see some of the popular antique shops. While there, we got some great photos of the courthouse and antiques for Hettler Insurance agency. On a side note, there is a town called Hale Center that we passed through on the way to Plainview. For an agency that provides […]

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  • Spookiest Halloween Insurance Claims | Hettler Insurance Agency, Lubbock Texas 806-798-7800
    The Spookiest Halloween Insurance Claims
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    The Spookiest Halloween Insurance Claims
    Tags: auto insurance, health insurance, home insurance|

     Halloween is known for bats, vampires, ghosts, witches, candy, and… insurance claims? These can be the spookiest of all. And Halloween is one of the biggest days for the kind of trickery that leads to insurance claims.

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  • uber and lyft
    How Uber, Lyft & Turo May Not Be Insured by Your Auto Policy…
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    How Uber, Lyft & Turo May Not Be Insured by Your Auto Policy…
    Tags: auto insurance, Business Insurance, Insurance Coverage, Lubbock Texas|

    Auto Insurance. You may think of it as a paper stuffed in your glove box that allows you to legally drive in the U.S. That hard copy, though, is actually the contract you made for an exchange of money for coverage. When you purchase car insurance, you are buying security. If damage occurs to your property, health, or others during a collision, theft or natural […]

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  • car accident mistake
    Five Mistakes People Make After an Accident
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    Five Mistakes People Make After an Accident
    Tags: auto insurance|

    We’ve all been there. You’re driving to work or school wondering if you should stop for coffee, but before you reach the parking lot, everything changes. You see odd movement out of the corner of your eye/rear-view mirror or hear screeching tires, and then you’re stuck – waiting for the police. That’s if you are lucky. If you are unlucky, you are waiting for the […]

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  • Stylized illustration of a shiny red sports car parked inside a home's front entryway with a bright red front door, potted topiary plants, and a small HOME sign on the wall, visually representing the bundle of home insurance and auto insurance. || Auto Insurance and Home Insurance Together Bundled | Hettler Insurance Agency, Lubbock Texas | Call 806-798-7800
    Lubbock: Bundle your Home and Auto Insurance to save
    Gallery
    Lubbock: Bundle your Home and Auto Insurance to save
    Tags: auto insurance, Hettler Insurance Agency, home insurance, Lubbock Insurance Agent|

    Buying insurance in Lubbock is quite a shock for many who move here from other parts of the country.  They can’t believe that home insurance can cost so much.  When I moved to Lubbock over 30 years ago, the cost of my home insurance doubled while the amount of coverage decreased 25%. Lubbock area deductibles also are normally 1% of the value of your home.  […]

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  • Tornado Moore, OK and Lubbock, TX Insurance | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas
    Could Lubbock, TX Have the next Moore, OK tornado?
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    Could Lubbock, TX Have the next Moore, OK tornado?
    Tags: auto insurance, Business Insurance, Lubbock Insurance Agent|

    Tornado!  The mere word conjures up fear.  Lubbock, TX has experienced 92 tornadoes over the past 56 years according to http://www.tornadohistoryproject.com/tornado/Texas/Lubbock  Lubbock averages more than one tornado in the county each year.  So there’s no question that we have an abundance of activity that regularly strikes our town.

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  • Car Insurance, Save Money, Less Risk | Hettler Insurance Agency, Lubbock Texas
    Save Money on Car Insurance While Taking Less Risk
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    Save Money on Car Insurance While Taking Less Risk
    Tags: auto insurance, Deductible, Liability|

    Why do you buy Auto Insurance?  “I have to” may be your response and that is so true.  Most states require auto liability insurance and almost all lenders require collision and other than collision coverage (the so-called “Full Coverage” option) on your car insurance. So, “I have to” is a great reason but there is an even better reason….

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  • General Contractor Insurance in Texas | Hettler Insurance Agency, Lubbock Texas
    Contractor’s Insurance
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    Contractor’s Insurance
    Tags: auto insurance, Business Insurance, Lubbock Insurance Agent, Texas independent insurance agent|

    Hettler Insurance is excited to announce that in August, 3 contracting companies with total sales approximating $7,000,000 were added to their client list.

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  • Auto Insurance Comprehensive Coverage | Hettler Insurance Agency, Lubbock Texas
    Strange But True Auto Insurance Claim
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    Strange But True Auto Insurance Claim
    Tags: auto insurance, Business Insurance, Lubbock Insurance Agent, Texas independent insurance agent|

    My first year in the insurance business was notable for a number of reasons but this claim has been among the strangest that I have ever experienced.  It seems that our customer was taking a shotgun out of his pickup truck and dropped the gun.  Either while attempting to catch the gun or upon the gun’s collision with the pavement, the shotgun discharged shooting pellets […]

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  • How To Decide Which Insurance Deductible | Hettler Insurance Agency, Lubbock Texas
    Which Deductible Should I Buy?
    Gallery
    Which Deductible Should I Buy?
    Tags: auto insurance, Business Insurance, home insurance, Lubbock Insurance Agent, Texas Homeowners Insurance, Texas independent insurance agent|

    Low deductibles are great when the claim occurs but rarely are they the best long term decision. O.K.  Let’s start this discussion with a trip to Las Vegas.  Odds are, if you are reading this, you don’t live in Vegas so a trip is within the sphere of imagination for you.   See this decision is all about odds.

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  • Home and Auto Insurance Combined Saves Money | Hettler Insurance Agency, Lubbock Texas
    New Client’s Home and Auto Insurance savings are $1,300 HUGE!
    Gallery
    New Client’s Home and Auto Insurance savings are $1,300 HUGE!
    Tags: auto insurance, home insurance, Lubbock Insurance Agent, Texas Homeowners Insurance, Texas independent insurance agent|

    So I was at the Lubbock, Texas Parade of Homes last week and saw a friend that said he wanted to call me about his home and auto insurance.  He called me that following Monday and a couple of days later, Hettler Insurance wrote his auto insurance policy.  I didn’t know what he was paying through his long time agent, but I did know that […]

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Hettler Insurance Agency
Hettler Insurance Agency
4.5
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blaine bearman
blaine bearman
10:52 03 Nov 22
This was my first time going through an insurance agency, Ron was absolutely amazing!!! I got exactly what I was looking for with Ron's help!! He was very nice and helpful and wanted to help me!! Thank you Ron for this... experience and for helping me get health insurance for my children!! I highly recommend this place for anyone!!!read more
Morgan Cook
Morgan Cook
15:02 24 Jun 22
If you are looking for an insurance agency you can trust, look no further than Hettler Insurance. Meghan and the team are refreshingly professional and easy to work with. I was with my previous insurance agency for two... years, but they were no match for Meghan at Hettler. She was able to find the same policy/coverage with a significantly lower premium (with the potential for even more savings after 90 days). Every one of the staff is courteous, attentive, and helpful. Thanks Meghan and everyone at Hettler!read more
Weijun Huang
Weijun Huang
20:48 01 Jan 20
A friend recommended Hettler Insurance Agency for my family’s health insurance last year. As new immigrants, we got totally lost with what we can choose and how. Mr. Hettler has been so patient to us with full... explanation of the policies and all the guidance we need. We are very thankful to him with the insurance package we get. This is the company where the staff are very friendly and they always know what the customers need.read more
Chuck Lanehart
Chuck Lanehart
02:00 15 Dec 19
Ron Hettler and his staff are the best. I have used Ron for personal and business insurance for 20+ years, with no regrets. Recently he helped me sign up for Medicare supplemental insurance. We spent a good hour going... over the endless inane paperwork, even though I know his compensation for this is next to nothing. Good people, good insurance.read more
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Hettler Insurance Agency

Hettler Insurance Agency

Independent Lubbock Insurance Agency providing Texans with Auto, Home, Business, Health, Life insurance in Lubbock Texas. Self-service Life Insurance Quote GetLifePolicy.com New office at 4720 S Loop 289, Lubbock, Texas 79414 806-798-7800

Hettler Insurance Agency is at Hettler Insurance Agency.

7 hours ago

Hettler Insurance Agency
Two Texans with the same long-term care benefit can pay very different premiums for long-term care insurance in Texas. The gap almost always comes down to when they applied, how healthy they were, and how the policy was built. Ron Hettler, CIC (Certified Insurance Counselor) explains what to check before you sign:WHAT MOVES YOUR PREMIUM• Your age and health on the day you apply• Daily or monthly benefit amount• Benefit period (how many years it pays)• Elimination period (the waiting period before benefits start)• Inflation protectionASK BEFORE YOU BUY• What is this carrier's 10-year rate-increase history in Texas?• Is this quote all-inclusive, or are fees added later?• Does it cover home care and assisted living, or only nursing facilities?• Is a nonforfeiture option included?KNOW THE GAPSMedicare doesn't pay for ongoing custodial care. A Texas Partnership policy can protect your assets dollar-for-dollar if you ever need Medicaid.HOW HETTLER HELPSWe run your exact scenario across multiple carriers and compare their rate histories side by side, with no fee for the review.Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/10/08/long-term-care-insurance-cost-texas/(806) 798-78004720 S Loop 289, Lubbock, TX 79414#longtermcare #LTCInsurance #retirementplanning #TexasFamilies #lubbock #hettlerinsurance #gethettler ... See MoreSee Less

Long-Term Care Insurance Costs in Texas: What Drives Premium

hettlerinsurance.com

TL;DR summary: Your age and health on the day you apply set the baseline for your long-term care premium. In AALTCI’s 2025 price index, a policy bought at 65 cost roughly 80% more each year than the...
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1 day ago

Hettler Insurance Agency
Open enrollment is almost here. Is a consumer directed health plan (CDHP) right for you?WHAT IS A CDHP?A high deductible health plan paired with a tax-advantaged health savings account (HSA). Lower monthly premiums, but more out-of-pocket cost before insurance shares the bill.THE UPSIDEHSA contributions, growth, and qualified withdrawals are tax-advantaged, unused funds roll over every year, and preventive care is typically covered before the deductible.THE CATCHA bad health year means a bigger bill up front. If you couldn't cover your full deductible tomorrow, a lower-deductible plan may serve you better.RUN THE THREE-NUMBER TESTExpected medical spend + premium savings + any employer HSA contribution. If the savings cover most of your expected spend, a CDHP usually wins.As an independent agency, we compare CDHP and traditional options across 30+ carriers for your actual household, at no extra fee.Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/10/07/consumer-directed-health-plan/(806) 798-78004720 S Loop 289, Lubbock, TX 79414#healthinsurance #openenrollment #HSA #cdhp #lubbock #hettlerinsurance #gethettler 💊 ... See MoreSee Less

Consumer Directed Health Plan: Is It Right for You?

hettlerinsurance.com

TL;DR summary: A consumer directed health plan (CDHP) pairs a high deductible health plan with a tax-advantaged health savings account (HSA). You pay lower monthly premiums but take on more out-of-poc...
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2 days ago

Hettler Insurance Agency
The lowest premium isn't always the best homeowners coverage for Texas home insurance. Here's how Texas homeowners can compare quotes the right way:MATCH YOUR DWELLING LIMIT TO REBUILD COSTNot market value, and not your appraisal district number. Getting this wrong is how homeowners end up underinsured.CHECK YOUR WIND/HAIL DEDUCTIBLEA percentage deductible is calculated from your home's value, and it can mean a much bigger out-of-pocket bill after a hail storm than a flat deductible.KNOW YOUR ROOF TERMSDoes your roof settle at replacement cost or actual cash value? Roof age can change the answer.DON'T WAIT ON FLOODFlood is a separate policy, and NFIP coverage typically has a 30-day waiting period. Inland Texas homes flood too.DOCUMENT BEFORE THE STORMDated photos, receipts, and a room-by-room video inventory make claims faster and smoother.As an independent agency, we shop 30+ top-rated carriers side by side for you, with no extra fee.Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/10/06/how-to-find-the-best-coverage/(806) 798-78004720 S Loop 289, Lubbock, TX 79414#texashomeowners #homeinsurance #hailseason #floodinsurance #lubbock #hettlerinsurance #gethettler 🏠 ... See MoreSee Less

How to Find the Best Coverage for Texas Homeowners

hettlerinsurance.com

TL;DR summary: The best coverage for a Texas homeowner isn't the lowest home insurance premium. It's the insurance policy that fits once you compare quotes side by side. Set your dwelling limit to reb...
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4720 S Loop 289, Lubbock, TX 79414

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Copyright © 1992- | Hettler Insurance Agency (License # 9513) | All Rights Reserved | Sitemap | Privacy | Disclaimer | Contact

“This site is intended for general informational and educational use only. It is not exhaustive and should not be construed as professional, financial, medical, or legal advice; or actual specific insurance policy terms. Please contact our insurance professionals online, by phone, or in-person for further specific information to receive a quote or inquire about your own policy if you are a current client. It’s possible that online content may not be complete, correct, or up-to-date due to fluctuations in insurance markets and/or other factors. You agree that if we contact you by phone, mail, or electronically that it’s because you have consented for us to do so.”

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

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