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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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Danger: FPE Panel Stab-Lok Circuit Breakers
NEWS:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
//
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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  • Closed Monday for Labor Day Holiday | Lubbock Insurance, Business Owner Insurance, Small Business, Workers Compensation | Hettler Insurance Agency, Lubbock, Texas
    Labor Day Holiday, Hettler Insurance Lubbock Closed Monday
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    Labor Day Holiday, Hettler Insurance Lubbock Closed Monday
    Tags: business owner insurance, Car Insurance In Lubbock, Holiday, Small Business, workers' compensation|

    In honor of the Labor Day holiday, Hettler Insurance Agency in Lubbock, Texas, will be closed on Monday, September 6th. We’ll be back in the office the next day (Tuesday) to help with Lubbock insurance, and all of Texas. What is Labor Day Labor Day in 2021 is observed on Monday, September 6th (yes, for small business owners too). Labor Day is an annual U.S. […]

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  • Lubbock Texas Great Place To Live | Hettler Insurance Agency | Lubbock Texas
    [Video] Is Lubbock Texas A Great Place To Live?
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    [Video] Is Lubbock Texas A Great Place To Live?
    Tags: business owner insurance, Car Insurance, homeowners insurance|

    Why Is Lubbock Texas A Great Place To Live? Watch the video to see just a few of the reasons. [this article has been reformatted from an earlier piece] City of Lubbock Lubbock is the 11th largest city in the state of Texas. Lubbock falls in the top 100 most populated cities in the United States with a population of more than 300,000 people. In […]

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    How Can Open Carry Affect Insurance for Texas Businesses?
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    How Can Open Carry Affect Insurance for Texas Businesses?
    Tags: Business Insurance, business owner insurance, Lubbock Business Insurance, Small Business, texas bop, texas business insurance, texas businessowners policy|

    Open carry legislation went into effect in Texas on January 1, 2016. This means that ordinary citizens with an existing concealed handgun license, can openly carry their firearms in public. There are several exceptions, including college campuses, federal and state owned land and in businesses that overtly prohibit open carry. While Texas is by no means the first state to allow open carry, it’s the […]

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    The Minimum Insurance You Need as an Entrepreneur
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    The Minimum Insurance You Need as an Entrepreneur
    Tags: Business Insurance, business owner insurance, Entrepreneur, Lubbock Business Insurance, Small Business, texas bop, texas business insurance, texas businessowners policy|

    If you start reading about all the types of insurance on the market for a business, you might become overwhelmed. It’s a rookie mistake to forgo insurance, thinking coverage for a new business is an unnecessary expense. Instead, let’s look at the minimum amount of insurance an entrepreneur should carry. Note the types and amount you should carry depend on your industry, location and the […]

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Hettler Insurance Agency
Hettler Insurance Agency
4.5
Based on 31 reviews
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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.

8 hours ago

Hettler Insurance Agency
πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Texas families β€” has your health insurance bill given you sticker shock in 2026? You're not alone.After enhanced pandemic-era subsidies expired, ACA Marketplace premiums in Texas jumped about 35% this year. πŸ’Έ Low-income families below 150% FPL still get $0 premium Silver plans, but middle-income households are absorbing the full hit β€” and a family of four earning over $125,000 can now face premiums of $2,000+ per month.πŸ‘‰ hettlerinsurance.com/2026/03/29/texas-health-insurance-options-list-families-2026/ The good news? You have more options than you might think:🩺 ACA Bronze, Silver (with CSR!), Gold, and Platinum tiersπŸ‘Ά CHIP for kids in families up to 201% FPLπŸ₯ Children's Medicaid at $0 premium for those under 133% FPLπŸ“± Telehealth β€” now built into many 2026 plansCIC-certified independent agent Ron Hettler breaks down every Texas health insurance option, with a side-by-side comparison table and rural-county strategies πŸ“ž Call us today: (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414#lubbockinsurance #TexasHealthInsurance #ACA2026 #hettlerinsurance #FamilyCoverage #lubbocktx #westtexas ... See MoreSee Less

Texas Health Insurance Options List for Families in 2026

hettlerinsurance.com

Texas health insurance is not a one-size-fits-all decision. With ACA premiums rising roughly 35% in 2026 after enhanced subsidies expired, families and young professionals across the state are facing ...
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Hettler Insurance Agency is at Hettler Insurance Agency.

12 hours ago

Hettler Insurance Agency
πŸ β›ˆοΈ Has your Texas home insurance premium skyrocketed? You're not alone.The average Texas homeowner premium jumped from $1,646 in 2013 to $4,647 in 2024 β€” and Texas now runs about 113% above the national average. In 2023 alone, premiums rose 23%, the highest increase in the country.The two main culprits? πŸ’Έ Inflation (roofing materials are up 40% in 3 years) and β›ˆοΈ weather catastrophes (Texas has seen more billion-dollar disasters than any other state). And Lubbock sits right in the heart of the Texas "Hail Belt."βœ… The good news: there ARE things you can do β€” raise your deductible, improve your credit, install protective features, and make sure you're getting every discount you qualify for.Read the full breakdown from CIC-certified independent agent Ron Hettler πŸ‘‰ hettlerinsurance.com/2024/08/29/why-texas-home-insurance-rises-every-year-video-kcbd-tv-news-lubb...πŸ“ž Call us today: (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414#LubbockInsurance #TexasHomeInsurance #HettlerInsurance #IndependentAgent #HailBelt #LubbockTX #WestTexas ... See MoreSee Less

Why Texas Home Insurance Rises Every Year? - Video KCBD TV News Lubbock

hettlerinsurance.com

# home insurance, homeowners insurance, Lubbock home insurance, Texas home insurance, Texas homeowners insurance, independent insurance agent, Lubbock insurance, Hettler Insurance Agency (first publis...
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13 hours ago

Hettler Insurance Agency
🏠 Does Your Texas Home Have a Percentage Deductible? Here's What You Need to Know Before Storm SeasonMany Texas homeowners believe they know their deductible β€” but there's a critical difference between a flat-dollar deductible and a percentage deductible that could cost you thousands when a storm hits. Read Full Blog Article at: hettlerinsurance.com/2026/05/06/how-percentage-deductibles-work-texas-homes/ A percentage deductible is calculated based on your home's insured value, not a fixed amount. That means if your home is insured for $400,000 and you have a 2% wind and hail deductible, you're responsible for the first $8,000 out of pocket before insurance pays a single dollar.βœ… Percentage deductibles are common in Texas for wind and hail claimsβœ… Your deductible grows as your home's insured value increases over timeβœ… Many homeowners don't realize their deductible changed at renewalβœ… A $9,000 roof repair with an $8,000 deductible means insurance pays very littleβœ… Lubbock and West Texas face recurring hail, windstorm, and severe weather risksHere's how the numbers can scale:β€’ 1% on a $250,000 home = $2,500 deductibleβ€’ 2% on a $400,000 home = $8,000 deductibleβ€’ 3% on a $600,000 home = $18,000 deductibleThe smartest question to ask isn't "What's my premium?" β€” it's "What would I owe if a hailstorm hit my roof tomorrow?"Review your Declarations Page, Renewal Notices, and Endorsements to understand your current deductible structure. If anything is unclear, your local agent can walk you through the numbers before storm season arrives.At Hettler Insurance Agency, we've been helping Lubbock and West Texas homeowners understand their coverage for over 46 years.πŸ“ž 806-798-7800🌐 hettlerinsurance.com ... See MoreSee Less

How Percentage Deductibles Work on Texas Homes

hettlerinsurance.com

How Percentage Deductibles Work on Texas Homes Many Texas homeowners know they have a deductibleβ€”but far fewer understand that some deductibles are based on a percentage of the insured value of the ...
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4720 S Loop 289, Lubbock, TX 79414

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“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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