Avoid insurance gaps in Texas: homeowner’s step-by-step guide
Learn how Texas homeowners can avoid costly insurance gaps with this step-by-step guide covering exclusions, lapses, and coverage updates from Hettler Insurance. Texas insurance gaps cost homeowners thousands — missed payments, flood exclusions, outdated limits. Learn how to spot and close them before storm season.
Liability coverage in Texas: Protect your home and business
Learn how liability coverage in Texas protects your home and business from lawsuits, medical costs, and unexpected claims. Get the right limits for your needs. Texas liability coverage isn't legally required — but lenders and contracts demand it. Learn smart limits, key exclusions, and why "minimum" isn't enough.
What is personal property coverage? Protect your Texas home
Personal property coverage protects your Texas home's belongings — but with limits, sub-limits, and exclusions for flood, earthquake, jewelry, and business gear. Learn what's covered, how to file a claim, and how to close the gaps with Hettler Insurance.
Texas homeowners insurance guide: 5 essential facts
First Texas home? Don't sign your homeowners insurance policy until you understand HO-3 vs HO-2, percentage wind/hail deductibles, jewelry sub-limits, flood exclusions, and replacement cost vs market value. Hettler Insurance Agency — Lubbock first-time-buyer guide.
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.
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