Navigate your home insurance renewal process with our comprehensive guide. Save money, ensure coverage, and stay protected in Texas. Home insurance renewal for Texas homeowners — docs to gather, coverage checks, the 21-day shop window, and how to avoid lapses. Ron Hettler, CIC (certified insurance counselor).

9/11 25th anniversary. Never Forget — 2,977 killed that day on 9-11-2021, 9,677+ dead since from Ground Zero illness. Many have called the the September 11, 2001 attacks — the deadliest terrorist attacks in human history. We honor the fallen at Hettler Insurance Agency in Lubbock, Texas.

Discover what is insurance lapse and how it affects Texas homeowners. Learn to prevent coverage gaps and protect your investments today. Insurance lapse in Texas — what causes it, the force-placed insurance trap, 30-day reinstatement window, and how to avoid a coverage gap.

Discover what is insurable interest in Texas insurance policies. Learn why it's crucial for protecting your investments and ensuring coverage. Insurable interest explained — why every valid policy needs it, when it must exist, and what happens if it's missing. Ron Hettler, CIC (certified insurance counselor).

Discover the role of insurance aggregators in 2026. Compare quotes from multiple carriers and potentially save up to 40% on premiums today! How insurance aggregators actually work in 2026 — benefits, blind spots, and why they're a starting point, NOT a finish line. Ron Hettler, CIC (certified insurance counselor).

Hettler Insurance Agency is closed Labor Day, Monday, September 7, 2026. Back Tuesday. Claims during 3-day weekend: call your carrier direct.

Discover what is business personal property in our 2026 Owner's Guide. Learn about tax obligations, insurance needs, and how to protect your assets. Business personal property explained — TX BPP tax rendition, valuation, insurance, and how to avoid costly gaps. Ron Hettler, CIC.

Discover what is third party insurance and how it protects you from liability for damages or injuries to others. Third party insurance explained — what it covers, TX minimum limits, why they're rarely enough. Ron Hettler, CIC. 806-798-7800

Discover essential life insurance steps for families in Texas. Protect your income, mortgage, and future with our thorough guide: "needs math", term vs. whole, child riders, TX contestability. Ron Hettler, CIC.

Discover the vital role of independent agents in Texas. They provide personalized insurance options and advocate for your best interests: multi-carrier choice, claims advocacy, local expertise. “The best independent agents do not just find you a policy. They find you the right policy and then make sure it stays right as your life changes.” — Ron Hettler, CIC, Hettler Insurance Agency

Learn why insure against hail damage is essential for Texas homeowners. Protect your property and savings from costly repairs in Hail Alley. Deductibles, ACV vs. RCV, parametric options. Ron Hettler, CIC.

Discover what is underinsurance and how it affects Texas homeowners. Learn to protect your home from costly gaps in coverage! Underinsurance — the hidden gap costing TX homeowners $54K+ per claim. Rebuild costs vs coverage limits, UIM, coinsurance. Ron Hettler, CIC.

Discover what medical payments coverage is and how it benefits Texas families. Get immediate help for accident-related medical costs today! MedPay: what medical payments coverage pays for on auto and home policies, how it differs from PIP, and why it's worth it. (806) 798-7800.

Discover the top insurance risks in West Texas in 2026. Protect your property by understanding severe weather impacts and policy gaps: hail, tornado, wildfire, flood, underinsurance, cyber. Get Better. Get Hettler. (806) 798-7800.

Discover the key differences in Texas auto policies. Learn how to choose the right coverage and save money while staying compliant. Compare Texas auto policies — liability, collision, comprehensive, PIP, UM/UIM — and pick the right coverage without overpaying. Call (806) 798-7800.