Types of Mortgage Insurance and Why You Need It
Types of mortgage insurance include private mortgage insurance and mortgage cancellation insurance. […more]
What Happens If You Don’t Have Health Insurance?
December 15th came and went. This was the deadline for signing up for health insurance plans private or government subsided that would begin January 1st, 2015. However, the open enrollment period for 2015 is still ongoing until February 15th, 2015. Sign up for health insurance before Valentines Day to get health insurance on March 1st, 2015 and to avoid tax penalties that will increase each [...more]
Man Buys Health Insurance, Despite Claims That Health Isn’t Important
In the writing style of The Onion A local Lubbock resident of 15 years, Greg Bachman finally decided to buy health insurance for his family before open enrollment and despite not supporting President Obama. […more]
Infograph: Horror Movies vs. Texas
Murder By the Numbers The need for life insurance in real life vs. horror movies. (Click to view full image)
Are Exorcisms, Ghosts and Werewolves Covered by Liability Insurance?
With Halloween just around the corner, you may have questions regarding the mishaps and creatures in many horror movies. While we can’t answer why the villain won’t utter a word or how the characters always die so easily, we can answer your insurance questions regarding the haunting of Halloween. We also decided to tackle some more common insurance problems that can happen in October. And [...more]
How the Affordable Health Care Act Helps Texans with Asthma
Lucy was a child when she was diagnosed with asthma. Her parents searched for health insurance, but were denied coverage for hospital visits and medication. Prior to the Affordable Health Care Act, this was a common scenario. Many Americans have been denied coverage of regular medical expenses for pre-existing and chronic conditions, such as asthma. In addition, not every American could afford or receive health [...more]
4 Ways to Protect Your Insurance Information When You Need it Most
Hopefully, the insurance papers cluttering up your desk are not the only copies. Staying organized and protecting your insurance information is a necessity. Many circumstances require insurance information to be easily accessible at a moment’s notice; natural disasters such as floods, fires, etc. can damage paperwork and affect your claim. Your insurance information is valuable, and it is always wise to have a plan to [...more]
Lubbock Insurance Agency Job: Personal Lines Customer Service Rep (CSR) with Sales ability wanted
Hettler Insurance is one of the area’s fastest growing Independent Insurance Agencies working with thousands of families and hundreds of businesses. In order to continue our growth, we are relocating our business around Jan 1st, 2014 to 4432 South Loop 289 in Lubbock, TX. […more]
Enrolling in & Understanding the Affordable Care Act or ACA (Obamacare)
Regardless of your feelings, the ACA that was passed in March of 2010 is here. In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December. […more]
Lubbock: Bundle your Home and Auto Insurance to save
Buying insurance in Lubbock is quite a shock for many who move here from other parts of the country. They can't believe that home insurance can cost so much. When I moved to Lubbock over 30 years ago, the cost of my home insurance doubled while the amount of coverage decreased 25%. Lubbock area deductibles also are normally 1% of the value of your home. [...more]
Could Lubbock, TX Have the next Moore, OK tornado?
Tornado! The mere word conjures up fear. Lubbock, TX has experienced 92 tornadoes over the past 56 years according to http://www.tornadohistoryproject.com/tornado/Texas/Lubbock Lubbock averages more than one tornado in the county each year. So there’s no question that we have an abundance of activity that regularly strikes our town. […more]
Texas Hail and Tornadoes? Good time to call Hettler for Auto and Home Insurance
Hail and tornadoes continue to make the news. The April 3, 2012 tornadoes that hit the Dallas-Fort Worth area allowed us to view the mighty power that a EF1 or EF2 storm packs. The pictures of swirling Schneider trailers being tossed about like toys is etched into the minds of many of us. Just imagine what would have happened if the storm were an EF4 [...more]
Darwinian Insurance Underwriting = Extinct Dog Breeds?
Some dog breeds would become extinct if insurance company underwriters had their druthers. (I love that word.) Here’s why: […more]
Save Money on Car Insurance While Taking Less Risk
Why do you buy Auto Insurance? “I have to” may be your response and that is so true. Most states require auto liability insurance and almost all lenders require collision and other than collision coverage (the so-called “Full Coverage” option) on your car insurance. So, “I have to” is a great reason but there is an even better reason…. […more]
Does Your Auto Insurance Cover Hitting a Parked Car?
A few years ago a client (Mike) came in and told me that his parked car was hit in our local shopping mall’s parking lot by another car. I told him that he had elected to purchase only liablity on his vehicles. He told me that wasn’t a problem because the other party had auto insurance on her car. In fact, she (Linda) had coverage through our agency as well! [...more]