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Hettler Insurance Agency

4.5

Based on 31 reviews

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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

Hettler Insurance Agency is at Hettler Insurance Agency.

4 days ago

The $1,000 problem most Texas homeowners don't know they have: your standard homeowners policy caps jewelry coverage at around $1,000. Own an $8,000 engagement ring? A $12,000 watch collection? Grandma's diamond earrings? If they're stolen tomorrow, your check is $1,000. Everything above that is gone.The fix is a rider. And it costs less than you think.Ron Hettler, CIC (Certified Insurance Counselor) breaks down what riders actually are and why most policyholders underuse them:▶️ A rider is a legal amendment — Also called an endorsement. It's a separate contract document attached to your base policy that can override exclusions and close specific gaps. Full legal weight. Governs within its scope.▶️ Premium impact is small — Most riders add 5-15% to your annual premium. A $10,000 jewelry rider on an $1,800 homeowners policy typically costs $90-$270 a year — versus buying a standalone valuables policy that costs much more.▶️ Some riders are FREE — The accelerated death benefit rider (early access to your life insurance if diagnosed with a terminal illness) is often included at no extra cost in 2026. Check your declarations page. You may already have it.▶️ Timing matters — Most life insurance riders must be selected at purchase. Adding them later means new underwriting, higher costs, or outright denial if your health or age has changed. Do NOT assume you can add later.▶️ Not just for wealthy policyholders — Waiver of premium (keeps your life policy active if you become totally disabled) costs $50-$150/year. That's not a luxury — that's basic financial protection for any family relying on your policy.Common riders that actually earn their keep:• Scheduled personal property — jewelry, watches, art, firearms• Waiver of premium — life insurance during disability• Sewer backup — homeowners water damage from drain backup• Rideshare endorsement — auto coverage during Uber/Lyft driving• Rental reimbursement — auto rental during repairs• Long-term care rider — life policies covering nursing home costsRun gap analysis on every rider: annual premium increase vs. your uncovered exposure. Most decisions are obvious once you see both numbers.Get Better. Get Hettler.Read the full riders guide: hettlerinsurance.com/2026/08/14/what-are-insurance-riders-your-coverage-guide/📞 (806) 798-7800📍 4720 S#InsuranceRidersc#endorsements##scheduledpersonalpropertyn#lifeinsurancee#Homeownersr#lubbockI#hettlerinsurancee#gethettler #HettlerInsurance #GetHettler ✨ ... See MoreSee Less

What Are Insurance Riders? Your Coverage Guide

hettlerinsurance.com

TL;DR summary: Insurance riders are legal amendments that customize existing policies to better suit individual risks and needs. They work by attaching to the primary policy, overriding exclusions, an...

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Hettler Insurance Agency is at Hettler Insurance Agency.

5 days ago

The most misunderstood number on your Texas insurance policy has one job: to tell you what a claim actually costs you.Your deductible is not a fee your insurer charges. It is the portion of every covered loss you absorb before your policy pays a single dollar. Get this number wrong, and a Lubbock hail storm can hand you a five-figure bill you were not prepared for.Ron Hettler, CIC (Certified Insurance Counselor) breaks down what every Texas homeowner and renter needs to understand:▶️ Two kinds of deductibles — Flat dollar (like $500, $1,000, $2,500) means you owe that fixed amount every time. Percentage means you owe a share of your home's insured value — often 1% to 5% — applied specifically to wind and hail claims in Texas.▶️ The percentage trap — A 2% wind/hail deductible on a $300,000 home is $6,000 owed BEFORE your insurer pays for a single shingle. At 5%, that number is $15,000. The percentage is listed separately on your declarations page.▶️ Per-incident, not annual — Texas property policies apply your deductible EVERY time you file. File three claims in a year, you pay your deductible three times. There is no annual reset like health insurance.▶️ Peril-specific deductibles — Your policy can carry different deductibles for fire, theft, flood, wind, and hail. Each applies only to its specific peril. Assuming one deductible covers everything is one of the most expensive mistakes we see.▶️ The premium trade-off — Raising your deductible from $500 to $1,000 typically saves 15% to 30% on your annual premium. But if you cannot write a check for that deductible today without stress, it is set too high.The rule that never fails: never carry a deductible higher than the cash you can access without going into debt. Premium savings are meaningless if a storm forces you to borrow to pay your share of the loss.Get Better. Get Hettler.Read the full deductible guide: hettlerinsurance.com/2026/08/13/what-is-an-insurance-deductible-texas-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79#InsuranceDeductiblet#windhaildeductiblet#texashomeownersw#lubbockb#InsuranceExplaineda#hettlerinsurancer#gethettlerttler 🏠 ... See MoreSee Less

What Is an Insurance Deductible? Texas Guide

hettlerinsurance.com

TL;DR summary: An insurance deductible is the fixed amount you pay out of pocket before your insurer covers a covered claim, affecting your premiums and claim costs. In Texas, deductibles are typicall...

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Hettler Insurance Agency is in Texas.

5 days ago

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