Auto Liability Insurance in Lubbock, TX: Why Low Limits Can Leave You Without Legal Protection Auto liability insurance isn’t just about protecting a vehicle — it’s about protecting the people who depend on it. Insurance is ultimately about protecting people, not just assets. It transforms the message from “protect your vehicle” to “protect your family’s future.” Hettler Insurance Agency in Lubbock Texas is local, independent, […]

Lubbock TX Homeowners Guide [3 Common Homeowners Insurance Mistakes] Buying homeowners insurance often feels like a box to check at closing. The paperwork is overwhelming, timelines are tight, and many homeowners assume all policies are basically the same. Unfortunately, that’s how costly mistakes happen. At Hettler Insurance Agency, we regularly review policies for homeowners insurance in Lubbock and West Texas and see the same issues again […]

Umbrella Liability Insurance: Extra Protection When Life Gets Complicated Most people assume umbrella liability insurance is only for the wealthy. In reality, it’s one of the most affordable ways for everyday families to protect themselves against large lawsuits and unexpected liability claims. Umbrella insurance provides an extra layer of liability protection when the limits on your auto insurance, homeowners insurance, or other personal insurance policies […]

Columbus Day 2024, and if you didn’t know, it’s also now known as Indigenous Peoples Day, is one of the most inconsistently observed federal holidays in the United States. Falling annually on the second Monday in October, this day has become a focal point for discussions about how we recognize history. While it’s one of the nation’s 11 federally recognized holidays, many businesses, states, and […]

Has your home insurance premium skyrocketed? Well, you’re not alone. It’s a trend seen across the state of Texas (and across America). Texas has seen more billion-dollar weather disasters than any other state in recent decades. “If someone’s got a rate decrease, they are a very lucky and very rare individual,” Ronald Hettler said, president of Hettler Insurance Agency in Lubbock, Texas. Due to sustained and lengthy inflation (technically it's been a few years of recession), some homeowners have reported a quadruple increase in homeowners insurance policy cost.

Download ebook. As a homeowner, or business-owner, your top priority is the safety of your family and your property. While you may not think about it often, your electrical panel plays a crucial role in keeping your home, or business, safe by preventing electrical fires.

Insurance FAQs vs. Insurance SAQs. Navigating the labyrinth of insurance can feel like learning a new language. With so many terms, types, and options, it’s easy to get lost. That’s why at Hettler Insurance Agency in Lubbock Texas, we believe in empowering our customers with knowledge. Knowledge that not only answers their Frequently Asked Questions (insurance FAQs) but also unveils the ‘Should Ask Questions’ (insurance […]

Are you protected from large claims and lawsuits? Umbrella liability insurance can be protection for your assets from large claims or lawsuits. Do you like to plan ahead for your financial protection? You might want to consider purchasing umbrella liability insurance. Remember, insurance is about managing your risks. Keep reading for seven benefits of an umbrella liability insurance policy. Maybe the time is right for […]

What does homeowners insurance have to do with Ladder Safety Month? Well… falling from a ladder is fairly common (annually, 500,000 people are treated). People often assume that their homeowners insurance covers anything that happens in and around their home, including the people living inside. There are some limits. A home insurance policy is designed to cover your home and belongings (things), and the injuries […]

Home improvement and return on investment (ROI). Do these two things go together? – [see infographic below] We all have a few little things that we’d like to change about our home, right? But, have you considered that not all improvements are actually financially wise. Consider your Return On Investment (ROI). Just because it’s a significant home improvement doesn’t mean that it will pay for […]

Question: What if we have a small mixed-breed dog that sometimes nips at people. He’s never really bitten anyone quite hard enough to break the skin. But, what if a true bite occurs? We’re concerned about our liability. We wonder if our homeowner’s insurance policy will protect us, then. Answer: In an average year, dog bites will account for about 1/3 of all homeowner’s liability […]