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.

Is Lubbock Insurance Hard To Find? | 806-798-7800, Hettler Insurance Agency, Lubbock Texas Buying insurance doesn’t have to be hard. You just need a friend on the inside. Hello, friend. Come on inside, our door is open (we’ve even got a handy drive-thru window, the only agency in Lubbock Texas). Let us do the hard work for you. You don’t have time to shop for […]

Why it matters to you and your community. But, how small is small? The definition of a small business varies drastically depending on which organization, group, or government agency you ask. Generally, though (and the SBA leaves lots of wiggle room), it is an independently-owned business with fewer than 500 employees that earns less than $1 million per year in combined revenue and sales, Fundera. […]

Hettler Insurance is one of the area’s fastest growing Independent Insurance Agencies working with thousands of families and hundreds of businesses. In order to continue our growth, we are relocating our business around Jan 1st, 2014 to 4432 South Loop 289 in Lubbock, TX.

Regardless of your feelings, the ACA that was passed in March of 2010 is here. In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December.

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.  […]

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.

If anyone needs to get a child only health insurance policy (in TX), there’s a program through Blue Cross that has a one time per year open enrollment period.  The deadline is September 15th to enroll.  No agents are involved.

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 […]

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.

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 […]

Most auto insurance buyers understand that Uninsured Motorists coverage covers them when they are hit by someone who doesn’t have insurance and the buyer wasn’t at fault in the accident.  But Uninsured Motorists Coverage has some interesting twists that may provide coverage just when you need it.

So you’re tired of hearing the commercials that brag that you could save “16% or more on your car insurance” or that the average driver that switched saves $350 per year by switching to….”  It’s hard to figure out the methods to buy auto insurance but let me go through the options. 

Over and over again for the past 30 years, I have heard the complaint that the amount of coverage on my home on my homeowner’s insurance policy is way more than the home’s market value.  Sometimes you insure even a newly constructed home for more than what you just paid!   A seemingly excess amount of coverage is a valid concern because it seems a bit unethical to insure your home for […]