Why an Independent Agent?
With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like Hettler Insurance Agency, you get choices. Compare quotes from multiple insurance carriers.
Why? Because independent insurance agencies, like Hettler Insurance Agency, represent several different insurance companies, and we can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Lubbock community, and we’re committed to doing business face-to-face and being your advocate in times of need.
Here are a few reasons why Hettler Insurance Agency should be your first and last choice when looking for insurance:
- We are here, serving the needs of Lubbock and the state of Texas.
- We work for you when you have a claim.
- We are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
- We are your consultants, working with you as you determine your needs.
- We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
- We offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
- We can periodically review your coverage to keep up with your changing insurance needs.
- We are committed to customer satisfaction – it’s the key to our livelihood.
- We treat you like a person, not a number.
- We are licensed professionals with strong customer and community ties.
There is a difference. To find out how our independent insurance agency can help you find the right insurance coverage, please contact Hettler Insurance Agency. Give us a call today at 806-798-7800.
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
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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
🚗💥 Did You Know Bottoming Out Is a Collision Claim?![]()
Most drivers assume that if they didn't hit another car, their damage must fall under comprehensive coverage. But that's one of the most common auto insurance misconceptions out there — and it can lead to real surprises at claim time.![]()
hettlerinsurance.com/2026/04/24/when-your-car-bottoms-out-is-it-collision-claim/ ![]()
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Here's what you need to know:![]()
✅ Bottoming out = collision with the roadbed![]()
In insurance terms, when your car scrapes the pavement, dips hard into a grade change, or slams into a curb transition, the road surface itself is treated as the "object" your vehicle struck. That makes it a collision claim — not comprehensive.![]()
✅ Your collision deductible applies![]()
If your collision deductible is $500, you're responsible for the first $500 of covered damage. The insurer covers the rest, subject to your policy terms.![]()
✅ The claim is usually coded as at-fault![]()
Even if you weren't being reckless, if no other party is legally responsible for the damage, the claim is typically treated as at-fault. That can affect your rates at renewal.![]()
✅ Common bottoming-out damages include:![]()
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• Oil pan damage from a raised roadway![]()
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• Undercarriage scraping from steep dips![]()
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• Exhaust system damage from pavement impact![]()
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• Suspension damage from a hard road strike![]()
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There are rare exceptions — like unmarked construction hazards or negligent road maintenance — where another party may share responsibility. But in most cases, it's your collision coverage that responds.![]()
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Don't wait until after a loss to understand your policy. Let Hettler Insurance Agency help you review your auto coverage today.![]()
📞 806-798-7800![]()
🌐 hettlerinsurance.com
When Your Car Bottoms Out, Is It a Collision Claim?
hettlerinsurance.com
Is It Called a Collision Claim When Your Car Bottoms Out?Yes—damage caused when your car bottoms out is generally handled as a collision claim. In insurance terms, this is often described as a colli...
🌪️ Will Your Home Policy Cover Lubbock Dust Storm Damage? 🌪️![]()
Living in Lubbock and across West Texas, we are all too familiar with the intense dust storms that sweep through our region. But when those clouds of red dirt settle, are you prepared for the insurance claim that might follow? Many homeowners are surprised to find that damage from a dust storm is often subject to a specific wind and hail deductible rather than a standard flat deductible.![]()
hettlerinsurance.com/2026/04/23/lubbock-homeowners-dust-storm-damage-wind-hail-deductible/ ![]()
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At Hettler Insurance Agency, we want to make sure you have clarity before a claim occurs. Understanding how your policy handles these "wind events" is crucial for your financial protection.![]()
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✅ Key Takeaways for West Texas Homeowners:![]()
• Wind Event Classification: Even though the dust is what you see, insurers typically classify these storms as wind events.![]()
• Higher Deductibles: Most Texas policies have percentage-based wind and hail deductibles (often 1% or 2% of your home's value). This can result in a significant out-of-pocket expense.![]()
• Exterior vs. Interior Damage: Exterior damage from wind-driven debris is usually covered. Interior dust damage is more complex and often requires proof that the wind created an opening in the structure.![]()
Don't wait until the next "haboob" hits to review your coverage. Our local experts are here to walk you through your declarations page and help you understand your actual exposure.![]()
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📞 Call us today: 806-798-7800![]()
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🌐 Learn more: hettlerinsurance.com![]()
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We’ve been protecting Lubbock families for over 46 years. Let us help you protect what matters most!![]()
#LubbockInsurance #WestTexas #HomeownersInsurance #DustStorms #HettlerInsurance #ProtectYourHome
Lubbock Homeowners Dust Storm Damage and Wind and Hail Deductible
hettlerinsurance.com
Duststorm Damage and the Wind & Hail Deductible for Lubbock Homeowners Duststorms are a common reality in Lubbock and across West Texas, and they can cause real damage to homes. One of the most misund...
⚠️ Why AI Will Never Replace Your Local Insurance Agent![]()
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Recently, I tested an AI system on insurance and asked it about a company called "Dei Primus Holdings" and their fully autonomous insurance carrier.![]()
hettlerinsurance.com/2026/04/17/use-local-insurance-agent-not-ai/ ![]()
The AI responded confidently—describing the company, explaining how it worked, even referencing industry credibility.![]()
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There was just one problem: the entire story was an April Fools' joke.![]()
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The AI missed it completely.![]()
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Here's what this tells us:![]()
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AI can sound incredibly confident while being completely wrong. And in insurance, being wrong is NOT harmless.![]()
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Insurance isn't like ordering a product online. It requires judgment, experience, and real-world understanding:![]()
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✅ Interpreting exclusions and contract language![]()
✅ Evaluating actual risk in YOUR situation![]()
✅ Recognizing when to file a claim (and when NOT to)![]()
✅ Understanding local attitudes and cultural differences![]()
✅ Advocating for you during a claim![]()
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An AI system says: Accident occurred → file a claim![]()
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A licensed agent recognizes: The other party fled, they won't pursue it, filing now will hurt your loss history.![]()
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That decision protects you.![]()
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Plus, here's the legal reality: In almost every state, giving insurance advice requires a STATE LICENSE. AI cannot be licensed. It cannot be held accountable.![]()
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✅ AI will improve efficiency in insurance.![]()
❌ AI should NOT replace professional judgment.![]()
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Before you rely on online systems or AI chatbots, talk to someone who can actually be held responsible for their advice.![]()
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📞 Call Hettler Insurance: (806) 798-7800![]()
🌐 GetHettler.com
Why You Should Use a Local Insurance Agent (Not AI or Online Systems)
hettlerinsurance.com
A Local Insurance Agent Is Your Best Bet in the Age of AI The insurance industry is buzzing about artificial intelligence. You are hearing about automated underwriting, AI claims handling, and even so...