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NEWS TICKER:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
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Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
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Danger: FPE Panel Stab-Lok Circuit Breakers
NEWS:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
//
Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
//
Danger: FPE Panel Stab-Lok Circuit Breakers
4720 S Loop 289, Lubbock, TX 79414
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Insurance in Lubbock, Texas | Car, Auto, Home, Business, Life, Health | 30 Years Experience | Hettler Insurance Agency
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  • Hettler Insurance Agency Moving Postcard 2024Sept30 4720 S Loop 289 Lubbock Texas, Phone 806-798-7800
    We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
    Gallery
    We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
    Tags: auto insurance, Business Insurance, health insurance, Hettler Insurance Agency, home insurance, life insurance, news, Top News|
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  • Texas Billion-Dollar Disaster Events 1980-2024 CPI Adusted chart, copyright NOAA | Lubbock Texas Hail | Home Insurance in Texas
    Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
    Gallery
    Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
    Tags: Hettler, Hettler Insurance Agency, home insurance, Lubbock Insurance Agent, Texas Homeowners Insurance, Top News|

    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. β€œIf 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.

    read more
  • Hidden Dangers FPE Panel Stab-Lok Circuit Breakers and Your Home square-ebook-cover | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Danger: FPE Panel Stab-Lok Circuit Breakers
    Gallery
    Danger: FPE Panel Stab-Lok Circuit Breakers
    Tags: home insurance, Top News|

    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.

    read more
Hettler Insurance Agency
Hettler Insurance Agency
4.5
Based on 31 reviews
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blaine bearman
blaine bearman
10:52 03 Nov 22
This was my first time going through an insurance agency, Ron was absolutely amazing!!! I got exactly what I was looking for with Ron's help!! He was very nice and helpful and wanted to help me!! Thank you Ron for this... experience and for helping me get health insurance for my children!! I highly recommend this place for anyone!!!read more
Morgan Cook
Morgan Cook
15:02 24 Jun 22
If you are looking for an insurance agency you can trust, look no further than Hettler Insurance. Meghan and the team are refreshingly professional and easy to work with. I was with my previous insurance agency for two... years, but they were no match for Meghan at Hettler. She was able to find the same policy/coverage with a significantly lower premium (with the potential for even more savings after 90 days). Every one of the staff is courteous, attentive, and helpful. Thanks Meghan and everyone at Hettler!read more
Weijun Huang
Weijun Huang
20:48 01 Jan 20
A friend recommended Hettler Insurance Agency for my family’s health insurance last year. As new immigrants, we got totally lost with what we can choose and how. Mr. Hettler has been so patient to us with full... explanation of the policies and all the guidance we need. We are very thankful to him with the insurance package we get. This is the company where the staff are very friendly and they always know what the customers need.read more
Chuck Lanehart
Chuck Lanehart
02:00 15 Dec 19
Ron Hettler and his staff are the best. I have used Ron for personal and business insurance for 20+ years, with no regrets. Recently he helped me sign up for Medicare supplemental insurance. We spent a good hour going... over the endless inane paperwork, even though I know his compensation for this is next to nothing. Good people, good insurance.read more
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Hettler Insurance Agency

Hettler Insurance Agency

Independent Lubbock Insurance Agency providing Texans with Auto, Home, Business, Health, Life insurance in Lubbock Texas. Self-service Life Insurance Quote GetLifePolicy.com New office at 4720 S Loop 289, Lubbock, Texas 79414 806-798-7800

Hettler Insurance Agency is at Hettler Insurance Agency.

2 days ago

Hettler Insurance Agency
A $300,000 Texas home with a 2% wind/hail deductible means $6,000 out of pocket BEFORE your insurer pays a dime on a claim. Most homeowners don't realize this until the hail hits.Texas deductibles aren't one-size-fits-all. Wind/hail is usually a percentage. Flood is separate (and not covered by your homeowners policy at all). Liability and standard perils each have their own structure. The right mix can lower premiums AND keep your out-of-pocket exposure manageable when storm season delivers.Smart moves: upgrade to an impact-resistant roof (15–35% discount), build an emergency fund equal to ~2% of your dwelling value, and review your declarations page at every renewal. Ron Hettler, CIC (Certified Insurance Counselor) has guided Lubbock families through these decisions since 1992 β€” independent agency, 30+ carriers, no extra fee.πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414πŸ”— hettlerinsurance.com/2026/05/12/texas-insurance-deductible-guide-hail-flood-coverage/#texasinsurance #homeownersinsurance #lubbocktx #HailDamage #floodinsurance #hettlerinsurance #westtexas 🀠 ... See MoreSee Less

Texas insurance deductible guide: protect your home and budget

hettlerinsurance.com

TL;DR Summary: Understanding insurance deductible guide for Texas, deductible types and their impact helps Texas homeowners prepare financially for storms. Choosing a deductible aligned with your risk...
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Hettler Insurance Agency is at Hettler Insurance Agency.

4 days ago

Hettler Insurance Agency
A generic business insurance policy almost never fits a Texas business. Hailstorms in Lubbock, hurricane exposure on the Gulf Coast, and Texas's unique opt-out workers' comp system create coverage gaps that off-the-shelf policies miss entirely.The good news: smart customization can lower premiums by up to 30% AND improve protection at the same time. BOP bundling alone typically saves 20–30%. Switching to annual payments saves another 5–10%. Strategic deductibles, safety programs, and trade-association group rates stack on top.Ron Hettler, CIC has been customizing coverage for Lubbock and West Texas business owners since 1992. Independent agency, 30+ top-rated carriers, no extra fee. Schedule your annual policy review before storm season catches you off guard.πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414πŸ”— hettlerinsurance.com/2026/05/19/customize-business-insurance-texas-businesses/#texasbusiness #smallbusinessinsurance #lubbocktx #commercialinsurance #BOP #hettlerinsurance #westtexas 🀠 ... See MoreSee Less

How to customize business insurance for Texas businesses

hettlerinsurance.com

TL;DR Summary: Texas businesses face unique risks like hurricanes, hailstorms, and optional workers’ compensation. Customizing coverage, including bundling and increasing deductibles, can lead to si...
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Hettler Insurance Agency is at Hettler Insurance Agency.

4 days ago

Hettler Insurance Agency
Just closed on your first Texas home? Congratulations β€” now make sure your homeowners insurance actually holds up when it matters.Standard policies exclude flood damage entirely. Wind, hail, and hurricane claims trigger percentage deductibles (1–5% of your home's value, not a flat dollar amount). Jewelry is often capped at $1,500. And insuring at market value instead of replacement cost can devastate your recovery after a major loss.Ron Hettler, CIC has been guiding Lubbock and West Texas first-time buyers since 1992. Independent agency, 30+ top-rated carriers, no extra fee, no pressure. Read our full first-time buyers guide, then call us for a real coverage review before storm season.πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414πŸ”— hettlerinsurance.com/2026/05/11/texas-homeowners-insurance-guide-first-time-buyers/#firsttimehomebuyer #lubbocktx #TexasHomeInsurance #homeownersinsurance #hettlerinsurance #westtexas #newhome πŸ”‘ ... See MoreSee Less

Texas homeowners insurance guide: 5 essential facts

hettlerinsurance.com

TL;DR Summary: Texas homeowners insurance policies exclude flood damage, requiring separate flood insurance coverage. Texas weather risks like hail, hurricanes, and tornadoes affect policy coverage an...
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Copyright Β© 1992- | Hettler Insurance Agency (License # 9513) | All Rights Reserved | Sitemap | Privacy | Disclaimer | Contact

“This site is intended for general informational and educational use only. It is not exhaustive and should not be construed as professional, financial, medical, or legal advice; or actual specific insurance policy terms. Please contact our insurance professionals online, by phone, or in-person for further specific information to receive a quote or inquire about your own policy if you are a current client. It’s possible that online content may not be complete, correct, or up-to-date due to fluctuations in insurance markets and/or other factors. You agree that if we contact you by phone, mail, or electronically that it’s because you have consented for us to do so.”

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

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