Discover how to shop independent insurance as a Texas homeowner. Protect your home, save money, and learn to choose the right policy! Verify agents, compare beyond price, and lock in coverage that pays after hail and wind.

FeedSpot has named Hettler Insurance Agency Blog #19 on its 2026 list of the 60 Best Texas Insurance Blogs to Follow — a Lubbock milestone.

Discover why independent insurance in 2026 is essential for Lubbock homeowners. Get smarter coverage tailored to your unique risks today! Independent agents at Hettler Insurance Agency in Lubbock shop 30+ carriers to fit hail, tornado, and flood risks — smarter, more flexible coverage than a captive agent can offer.

Discover what is comprehensive auto insurance and how it protects your car from hail damage. Stay covered in Texas storms—learn more now! Texas liability won't pay a dime for hail damage. Comprehensive auto insurance does — and a hail claim usually won't raise your premium. Here's why.

Learn how Texas insurance agents personalize coverage, manage premiums from $1,200 to $5,000, and guide you through claims for weather-related risks. Texas insurance agents do far more than sell policies — their role is to: personalize coverage for wind, hail, and flood risk, handle TWIA and NFIP, prevent under-insurance, and advocate during claims. Learn what a licensed agent actually does for your Texas home with Ron Hettler, CIC.

Generic business insurance policies don't fit Texas businesses. Learn how to customize commercial coverage for West Texas hail, Gulf Coast hurricanes, and Texas's unique opt-out workers' comp system — and save up to 30% with BOP bundling, annual pay, and smart deductibles.

Discover effective ways to save on auto insurance for Texas drivers. Learn strategies to lower premiums and maximize savings today! Quote shopping, deductibles, telematics, bundling, discounts. Ron Hettler, CIC (Certified Insurance Consultant).

Discover the vital role of insurance endorsements for Texas policyholders. Learn how to protect your coverage and avoid claim denials. Insurance endorsements for Texas policyholders — how endorsements modify policies, common types, cost, review cadence. Ron Hettler, CIC (certified insurance counselor).

Learn to spot, prevent, and report auto insurance fraud effectively: staged crashes, ghost brokers, repair scams, red flags, legal penalties, and how to file a tip. Protect yourself with essential tips and steps to take if you suspect fraud.

Car insurance by the mile is still in its infancy. As of 2017, you could purchase this type of insurance from a handful of companies: Metromile, National General Insurance and Allstate’s MileWise. It means exactly as the name implies, drivers have the potential to save money by only paying for the exact mileage accrued in a year. Devices are added to the insured vehicle to accurately […]

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

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.