Discover what an insurance premium is and learn how Texas homeowners and businesses can navigate high costs while finding savings. Why Texas insurance premiums run nearly double the national average — and the real levers Lubbock Texas homeowners and businesses use to lower them.

Learn how independent insurance agents in Texas help homeowners and small businesses get better coverage, navigate hail risks, and control rising premiums. Why Texas homeowners and businesses choose independent insurance agents: 30+ carriers, hail-claim advocacy, and no client fees. Call (806) 798-7800.

Learn how bundling home and auto insurance in Texas can save you up to 26% per year. Hettler Insurance Agency in Lubbock shops 30+ carriers to find your best deal. Most Texas homeowners can save up to 26% — $700 to $1,700 a year — by bundling home and auto insurance. Learn how to compare quotes and avoid the loyalty trap.

Texas insurance deductibles aren't one-size-fits-all. A 2% wind/hail deductible on a $300K Lubbock home = $6,000 out of pocket. Learn how percentage deductibles, separate flood policies, and impact-resistant roof discounts work — and how to protect your home and budget before storm season with an insurance deductible guide for Texas.

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.

Learn how to get specialty insurance in Texas with this step-by-step guide covering eligibility, documents, carrier selection, and coverage verification for high-risk homeowners.

Learn what Texas property insurance covers, what it excludes, and how to customize your policy for hail, flood, and windstorm risks with local expert guidance.

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.

Some dog breeds would become extinct if insurance company underwriters had their druthers.  (I love that word.)  Here’s why:

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 […]

We get calls all the time from families wanting us to shop their auto insurance.  We put all the information into the rating program and get quotes back from up to 8 companies.  But many times the substantial savings that we show the customer is “eaten up” by the loss of a multi-policy discount on their home insurance.

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 […]