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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
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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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  • 7 Smart Tips How To Find Your Best Auto Insurance Policy | Hettler Insurance Agency, Lubbock Texas
    7 Smart Tips How To Find Your Best Auto Insurance Policy
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    7 Smart Tips How To Find Your Best Auto Insurance Policy
    Tags: auto insurance, Hettler Insurance Agency|

    Automobile insurance (car insurance, truck insurance, etc.) is a requirement in just about every state. Many times, we don’t actively use our insurance, but we still have to maintain an insurance policy. So, here’s a top 7 list of things you can do to help get the best auto policy at the lowest price.

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  • Auto Insurance Drive-Thru in Lubbock Texas | Hettler Insurance Agency
    Auto Insurance Drive-Thru in Lubbock Texas
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    Auto Insurance Drive-Thru in Lubbock Texas
    Tags: auto insurance, Business Insurance, getbettertogether, Hettler Insurance Agency|

    Drive-thru insurance? Slide-in or drive-in? Or, please, just pull up to the window! (We have the only drive-thru insurance agency in Lubbock, Texas). We do the shopping, so you don’t have to. We work for you, not the insurance company. GetHettler.com (806) 798-7800 M-F 8:30am-5pm. Hettler Insurance Agency, 4432 S Loop 289, Lubbock, TX 79414. Call, text, online, drive-thru. #freeautoquote #getbettertogether #shoplocal #hettlerinsurancedotcom

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  • Medical Bills Frugal Living Tips | Hettler Insurance Agency, Lubbock Texas
    How to Lower Your Medical Bills Using Frugal Living Tips
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    How to Lower Your Medical Bills Using Frugal Living Tips
    Tags: health insurance, Hettler Insurance Agency|
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  • Reduce Health Care Expenses: 7 Frugal Living Tips, Plus One | Hettler Insurance Agency, Lubbock Texas
    Reduce Health Care Expenses: 7 Frugal Living Tips, Plus One
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    Reduce Health Care Expenses: 7 Frugal Living Tips, Plus One
    Tags: health insurance, Hettler Insurance Agency|

    Do you want to save money? It’s possible to save $500 or more per month. But, how do you make it work? For several years, health care expenses have been on the rise. For nearly every household, healthcare costs continue to be a major expense. The expense for the care itself continues to increase, and, naturally, insurance costs tend to rise also. Discovering ways to […]

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  • Who Can Give Me A Free Auto Insurance Quote? | Hettler Insurance Agency, Lubbock Texas | GetHettler.com
    When to Check Auto Insurance Rates
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    When to Check Auto Insurance Rates
    Tags: auto insurance, Hettler Insurance Agency, rates|

    When’s the last time you gave more than a second thought to your car or truck insurance? Did you know that there’s no harm in changing insurance carriers often? Actually, it can be a very good thing. Keep reading to see why! Do you think about your auto insurance rates very often? Like many, you probably only consider your rates when it comes time to […]

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  • Worst 9 Mistakes for Insurance Buyers | Hettler Insurance Agency, Lubbock Texas
    Worst 9 Mistakes for Insurance Buyers
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    Worst 9 Mistakes for Insurance Buyers
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    Have you made any of these mistakes? An insurance policy is not exciting. There are hundreds of other more fun ways you could spend your money. But, insurance is an important part of your financial plan. It’s just way too risky to Not carry insurance. When buying insurance coverage, it’s easy to make a mistake. Mistakes could cause the loss of your assets. And, those […]

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  • Top Rated Insurance Agency in Lubbock, Texas | Hettler Insurance Agency 806-798-7800
    A Top Rated Insurance Agency in Lubbock, Texas
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    A Top Rated Insurance Agency in Lubbock, Texas
    Tags: auto insurance, Hettler Insurance Agency, Lubbock Insurance Agent|

    Three Best Rated® Gives A Top Placement Hettler Insurance Agency is listed as one of the Top 3 insurance agents in Lubbock, Texas (2 years running). This is due to providing consistent, high-quality service in our area of business. ThreeBestRated.com approved our business using a rigorous 50-Point inspection which includes everything from checking reputation, history, complaints, ratings, satisfaction, nearness, trust, cost and general excellence. Three Best […]

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  • Kids at home? And, you're trying to work? Advice for working from home, with kids. | Hettler Insurance Agency, Lubbock Texas
    [video] Advice For Working From Home, With Kids
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    Advice For Working From Home, With Kids
    Tags: getbettertogether, Hettler Insurance Agency, remotework, small business owners|

    Kids at home? And, you’re trying to work? Advice for working from home, with kids. (If you’re reading this and currently looking for work, we pray you get what you need.) 1. Use visual cues to designate your workspace. Create a designated area as your work zone and use it consistently. Help your kids build the association that when you’re sitting there, you are working […]

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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
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    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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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.

9 hours ago

Hettler Insurance Agency
"MY HOME INSURANCE JUST AUTO-RENEWED" — and that is exactly why so many Texas homeowners overpay by $400 to $1,500 a year and end up underinsured when a storm hits. Ron Hettler, CIC (Certified Insurance Counselor) walks you through the renewal season game plan we use with our own clients:🏠 YES, YOUR POLICY AUTO-RENEWSTexas law requires your carrier to send a renewal notice 30-60 days before your policy expires. Most homeowners glance at the new premium, sigh, and do nothing. That silence is the auto-renewal. And it's costing you money AND coverage.📋 STEP 1 — GATHER THE FOUR DOCUMENTS• Your current Declarations Page (Dec Page)• The renewal notice / new Dec Page from your carrier• Any endorsements added mid-year (roof, jewelry rider, home business, etc.)• A list of home improvements since your last renewal🔍 STEP 2 — EVALUATE YOUR EXISTING COVERAGEBefore you even think about shopping, verify the current policy is right:• Dwelling limit (Coverage A) — does it reflect TODAY's rebuild cost, not what you paid for the house?• Wind & hail deductible — flat $ amount OR a % of Coverage A? (This is HUGE in West Texas.)• Personal property (Coverage C) — enough for a total loss?• Loss of Use (Coverage D) — enough for 6-12 months of alternate housing?• Liability (Coverage E) — $300K minimum, $500K+ preferred• Water backup, service line, ordinance & law endorsements — do you have them?• Roof coverage — Actual Cash Value (depreciation) vs Replacement Cost?🗓️ STEP 3 — THE 21-DAY SHOPPING WINDOWThis is the single most valuable piece of advice in this guide: START COMPARING QUOTES EXACTLY 21 DAYS BEFORE YOUR RENEWAL DATE. Not 60. Not 7. TWENTY-ONE.Carrier pricing algorithms in Texas reward quotes bound inside that window and penalize quotes bound outside of it. Shop too early — rates are inflated. Shop too late — rates are inflated PLUS you're now a lapse risk. 21 days = sweet spot.🏗️ STEP 4 — REPORT YOUR HOME IMPROVEMENTSCarriers don't automatically know you:• Replaced the roof (this alone can drop your premium 10-30%)• Installed a monitored security or fire system• Updated the electrical panel, plumbing, or HVAC• Added impact-resistant windows or a wind mitigation upgradeYou have to TELL them. Provide invoices and dates. Discounts don't apply themselves.⚠️ STEP 5 — HANDLE POLICY CHANGES + FINALIZE IN WRITING• All coverage changes go through a formal endorsement — verify in writing• If you switch carriers, get the new policy BOUND and effective before the old one cancels• NEVER stop paying to "cancel" — that creates a lapse on your record and hurts future rates• Formal written cancellation only🚨 THE 5 RENEWAL MISTAKES THAT COST TEXANS THE MOST1. Letting it auto-renew without a coverage review2. Shopping the day before or the day after — pricing punishes both3. Not updating dwelling limits to current rebuild cost (construction costs are UP)4. Failing to disclose home improvements = no discounts5. Stopping payments instead of formally canceling = lapse on file + damage to credit🏆 HOW HETTLER HANDLES YOUR RENEWALWe run the 21-day window for you across 30+ top-rated carriers, verify your dwelling limit against real Lubbock rebuild costs, catch missing endorsements BEFORE the storm hits, apply every eligible discount for improvements you made, and finalize every change in writing — so you're not doing insurance alone at renewal season.Get Better. Get Hettler.Read the full renewal-process guide: hettlerinsurance.com/2026/09/14/home-insurance-renewal-process-guide-for-texas-homeowners/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#HomeInsuranceRenewal #TexasHomeowners #Lubbock #WestTexas #HettlerInsurance #CIC #GetHettler 🏠 ... See MoreSee Less

Home Insurance Renewal Process Guide for Texas Homeowners

hettlerinsurance.com

TL;DR: summary Home insurance renewal involves reviewing your policy before it automatically continues each year. Verifying the declarations page and correcting any data errors prevents inaccurate pre...
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Hettler Insurance Agency is at Hettler Insurance Agency.

10 hours ago

Hettler Insurance Agency
"ADDITIONAL INSURED" — one of the most misunderstood phrases in commercial insurance, and the one that costs Texas businesses the most money when contracts go sideways. Ron Hettler, CIC (Certified Insurance Counselor) breaks it down for owners, contractors, subcontractors, landlords, and tenants:📋 WHAT IS ADDITIONAL INSURED, PLAIN ENGLISHAn additional insured (AI) is a person or business added to SOMEONE ELSE'S liability policy by endorsement, so they get coverage for claims tied to that named insured's work. They don't own the policy. They don't pay the premium. They get named on the endorsement — and only then do they actually have coverage rights.✅ WHAT AI STATUS ACTUALLY GETS YOU• Access to defense costs under the named insured's policy• Access to settlement payments for claims tied to the named insured's work• Claims stay on the named insured's loss history — NOT yours• Your own premiums are protected🚨 CERTIFICATE HOLDER vs ADDITIONAL INSURED — THE #1 CONFUSIONA CERTIFICATE OF INSURANCE ≠ ADDITIONAL INSURED STATUS. This is the mistake that ends careers.• A certificate of insurance is a piece of paper that says "yes, a policy exists"• A certificate HOLDER has NO coverage rights — none, zero, nothing• Actual additional insured status requires a POLICY ENDORSEMENT (typically CG 20 10, CG 20 26, CG 20 37, or a manuscript form)• If you accept a COI without the endorsement attached, you have proof of insurance and ZERO coverage under it📃 NAMED INSURED vs ADDITIONAL INSURED vs CERTIFICATE HOLDER• NAMED INSURED — the policyholder. Pays the premium. Owns all coverage rights.• ADDITIONAL INSURED — added by endorsement. Gets limited coverage for claims arising from the named insured's operations.• CERTIFICATE HOLDER — just a party being informed a policy exists. No coverage. Ever.🏗️ WHO USUALLY REQUIRES AI STATUS IN TEXAS• General contractors requiring it from EVERY subcontractor• Landlords requiring it from tenants (retail, restaurant, industrial leases)• Property owners requiring it from any contractor working on-site• Cities/counties requiring it from vendors and event operators• Clients requiring it from consultants and service providers⚠️ THE COMMON AI TRAPS THAT COST TEXAS BUSINESSES REAL MONEY1. Accepting a certificate of insurance and calling it a day — no endorsement = no coverage2. Endorsement issued for "ongoing operations" only — no coverage for completed work3. Endorsement lists the wrong entity (parent company, DBA, or trade name mix-up)4. Endorsement expires but the contract keeps going (renewals not enforced)5. Primary and non-contributory language MISSING — your policy still pays first6. Waiver of subrogation MISSING — your carrier can still come after them7. AI status granted, but the underlying policy has ridiculous exclusions📝 HOW TO ACTUALLY ADD AN ADDITIONAL INSURED (the right way)1. Contract clearly requires AI status, primary and non-contributory, and (usually) waiver of subrogation2. Named insured requests the endorsement from their carrier — in writing, before work begins3. The endorsement is issued naming the exact legal entity that needs to be covered4. The AI party receives a COPY of the endorsement (not just the COI)5. AI status is verified at each renewal — expired endorsements = expired coverage🚨 WHY THIS MATTERS FOR YOU (Texas business owners)Every construction defect claim in Texas. Every slip-and-fall in a leased space. Every subcontractor injury. Every vendor screwup at a retail location. They ALL trace back to the AI endorsement — or the absence of one.The lawsuit lands on the GC. The GC tenders to the sub's carrier. If the AI endorsement is right, coverage flows through. If it's wrong or missing, the GC eats it — often out of their own pocket, on top of years of rate increases and a permanent mark on their loss history.🏆 HETTLER = INDEPENDENT30+ carriers. We review contract requirements BEFORE you sign, issue the right AI endorsements, verify primary and non-contributory language, and confirm your AI status is in place at every renewal — so when a claim hits, the coverage actually flows.Get Better. Get Hettler.Read the full additional insured guide: hettlerinsurance.com/2023/04/11/what-is-additional-insured-a-texas-business-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#AdditionalInsured #TexasBusiness #Contractors #Lubbock #WestTexas #CIC #HettlerInsurance #GetHettler 📋 ... See MoreSee Less

What Is Additional Insured? A Texas Business Guide

hettlerinsurance.com

TL;DR summary: An additional insured is added to another’s liability policy by endorsement, gaining limited coverage for claims related to the insured’s acts. This status is vital for protecting c...
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Hettler Insurance Agency
7 Unusual But Smart Insurance Types You May Not Know About hettlerinsurance.com/2021/01/20/7-unusual-but-smart-insurance-types-you-may-not-know-about/.#getbettertogether #freeautoquote #hettlerinsurancedotcom #shoplocal #insuranceagent #insurancequote #homeinsurance #insurance #autoinsurance #insurancequote #PropertyInsurance #businessinsurance ... See MoreSee Less

7 Unusual But Smart Insurance Types You May Not Know About

hettlerinsurance.com

Who likes paying for insurance? But, we have to pay for things that we need. True, you pay money monthly or yearly, and you rarely get anything back in return. Only when tragedy strikes do you feel li...
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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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