Name: Hettler Insurance Agency
Price range: $$

Texas windstorm insurance explained: what homeowners need to know
Gallery

Texas windstorm insurance explained: what homeowners need to know
Tags: Flood Insurance, hail damage texas, Texas Homeowners Insurance, windstorm|
Texas windstorm insurance is Not included in most coastal home policies. Learn what it covers, what TWIA is, who needs it, and how to find the best rate in 2026. Learn about how TWIA works, what private carriers offer, 1–5% deductible math, the $1.77M 2026 cap, and how Ron Hettler, CIC can help.

read more

Hettler Insurance Agency

4.5

Based on 31 reviews

review us on

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

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

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

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

See All Reviews

629

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.

9 hours ago

Most Texas homeowners assume their standard policy covers wind damage from a hurricane or tornado. In coastal counties, that's almost never true — windstorm coverage is usually a separate policy.Our new guide breaks down how TWIA works, what private carriers can offer instead, what windstorm policies cover (and don't), the 1–5% wind deductible math on a $300K home, and the 5-step process to get covered. Ron Hettler, CIC (Certified Insurance Counselor) shops both TWIA and private markets so you don't pay too much or leave gaps.Read the full guide: hettlerinsurance.com/2026/06/17/texas-windstorm-insurance-explained-homeowners-guide/Call us: (806) 798-78004720 S Loop 289, Lubbock, TX 79414#texaswindstorminsurance #TWIA #lubbockinsurance #CoastalTexas #HurricanePrep #homeinsurance #hettlerinsurance 🌪️ ... See MoreSee Less

Texas windstorm insurance explained: what homeowners need to know

hettlerinsurance.com

TL;DR summary: Windstorm insurance in Texas is a separate policy essential for coastal homeowners, covering wind and hail damage. Many homeowners mistakenly rely solely on standard policies, which oft...

View on Facebook

Hettler Insurance Agency is at Hettler Insurance Agency.

12 hours ago

🔨 If you're a contractor working in Lubbock, Midland-Odessa, or anywhere across West Texas, missing one insurance policy can stop a job before it starts. Commercial clients want to see proof of coverage before you set foot on site — and 94% of them require at least $1M/$2M general liability with a certificate of insurance naming them as additional insured.Our newest blog walks through the 5 must-haves every West Texas contractor needs: general liability, commercial auto (with a $1M combined single limit — not state minimums), inland marine for tools and equipment, smart subcontractor verification, and the location-based savings that come with working West Texas vs. Houston or Dallas (8–15% less on premium).Ron Hettler, CIC (Certified Insurance Counselor) has been helping West Texas contractors get the right coverage since 1992. Hettler Insurance represents 30+ top-rated carriers — call us for a no-pressure coverage review.📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414🔗 hettlerinsurance.com/2026/06/14/contractor-insurance-must-haves-west-texas/#lubbockinsurance #westtexas #contractorinsurance #generalliability #commercialauto #toolsandequipment #smallbusinesstexas 🤝 ... See MoreSee Less

5 essential contractor insurance must-haves for West Texas

hettlerinsurance.com

TL;DR summary: Contractors must have comprehensive insurance, including general liability and commercial auto, to meet client requirements. Tools, equipment, and subcontractor coverages are essential ...

View on Facebook

Hettler Insurance Agency is at Hettler Insurance Agency.

1 day ago

🚀 On June 12, 2026, SpaceX went public, the stock jumped 19%, and Elon Musk's paper net worth crossed $1 TRILLION — the first trillionaire in history. Big headline. But here in Lubbock and across West Texas, the more useful question is: what does any of that have to do with your home, your pickup, your farm, or your small business?More than you'd think. Musk's wealth is concentrated in two volatile stocks, propped up by lawyers and corporate structures whose entire job is shielding it from massive claims. Most West Texas families have similar concentration risk — home, vehicles, business — but without the billionaire-level protection. A single hailstorm, wreck on I-27, or liability lawsuit can wipe out decades of progress in an afternoon.The good news: the "billionaire move" is more affordable than you'd think. Replacement-cost homeowners coverage, realistic dwelling limits, higher auto liability, and an umbrella policy ($1M of extra liability for ~$150–$300/year) give a West Texas family the same KIND of asset protection a trillionaire pays a team to engineer. Ron Hettler, CIC (Certified Insurance Counselor) builds those layered plans every day. Get Hettler, Get Better.📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414🔗 hettlerinsurance.com/2026/06/16/elon-musk-trillionaire-west-texas-insurance-lesson/#LubbockInsurance #WestTexas #HomeInsurance #UmbrellaPolicy #FarmAndRanch #HailDamage #AssetProtection 🤝 ... See MoreSee Less

Elon Musk Just Became a TRILLIONAIRE. Here's the West Texas Insurance Lesson

hettlerinsurance.com

TL;DR summary: On June 12, 2026, SpaceX went public at $135/share and closed up 19% — pushing Elon Musk's paper net worth past $1 TRILLION, the first trillionaire in history. His wealth is concentra...

View on Facebook

windstorm

Texas windstorm insurance explained: what homeowners need to know

Hettler Insurance Agency

Trusted. Expert. Advisors.

Don’t Do Insurance Alone!

Call (806) 798-7800