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Is Lubbock Insurance Hard To Find?
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Is Lubbock Insurance Hard To Find? | 806-798-7800, Hettler Insurance Agency, Lubbock Texas Buying insurance doesn’t have to be hard. You just need a friend on the inside. Hello, friend. Come on inside, our door is open (we’ve even got a handy drive-thru window, the only agency in Lubbock Texas). Let us do the hard work for you. You don’t have time to shop for […]

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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.

1 week ago

Starting a Texas business? Two habits will decide whether your first claim ends your company or barely bruises it.Habit #1: Call before you sign. Before the lease. Before the client contract. Before the first hire. The most expensive mistakes Ron Hettler, CIC (Certified Insurance Counselor) sees aren't from business owners who bought bad coverage — they're from owners who signed a document that quietly obligated them to insurance they didn't have. A landlord requires a Certificate of Insurance showing $2M in liability. A client contract requires you to name them as an additional insured. If you signed first and bought coverage later, you're already exposed.Habit #2: Match coverage to actual risks. Not to a broker's checklist. A freelance consultant working from home does not need commercial property insurance. A landscaping crew does not need cyber liability. But a two-person SaaS startup absolutely needs E&O and cyber from day one. The three foundational policies for most new businesses:▶️ General Liability (GL) — third-party injury and property damage▶️ Workers' Compensation — legally required in Texas the moment you hire an employee▶️ Professional Liability / E&O — for any business selling advice, services, or softwareAdd cyber liability if you handle customer data. Add commercial property if you have inventory or equipment. A Business Owner's Policy (BOP) bundles GL and commercial property at a discount — a good fit for brick-and-mortar retail, not always right for tech.The single most missed step: not updating coverage as the business grows. A policy written for a solo founder does not automatically cover a five-person team. Insurers don't add employees to your workers' comp policy just because you hired someone. You have to tell them.Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/08/07/insurance-tips-for-new-business-owners-2026-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#SmallBusiness #NewBusiness #TexasBusiness #BusinessInsurance #Startups #Lubbock #HettlerInsurance #GetHettler 🏢 ... See MoreSee Less

Insurance Tips for New Business Owners: 2026 Guide

hettlerinsurance.com

TL;DR summary: Business insurance protects a company’s assets, operations, and people from financial losses due to lawsuits, accidents, and property damage. New entrepreneurs should prioritize core ...

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Hettler Insurance Agency is at Hettler Insurance Agency.

1 week ago

A $500,000 lawsuit verdict. A $300,000 homeowners policy limit. Where does the extra $200,000 come from?Out of your bank account. Your investments. And in Texas, potentially your assets.Most homeowners have never heard the term "excess liability insurance" until they need it — and by then it's too late. Standard Texas homeowners policies typically carry $100,000 to $300,000 in personal liability coverage. Serious injury lawsuits routinely reach seven figures. That gap is where families lose everything they've built.Excess liability is the fix. It's a "following form" policy that mirrors your primary policy's exact terms and simply raises the ceiling on what your insurer will pay. Dog bite lawsuits, contractor falls from ladders, swimming pool accidents (Texas classifies pools as "attractive nuisances" — heightened liability even without an invitation), guest injuries at parties — all common triggers.The key distinction Ron Hettler, CIC (Certified Insurance Counselor) wants Texas homeowners to understand: excess liability is NOT the same as umbrella insurance. Umbrella is broader — it covers multiple policies (home, auto, boat) under one limit and can include claim types your primary policy excludes, like defamation or false arrest. Excess liability is narrower — it attaches to one specific policy and follows that policy's exclusions exactly.For most homeowners, umbrella is the right first move. Excess liability comes into play when a contract requires higher limits on a single policy, or when you're stacking limits above an existing umbrella in what brokers call a "liability tower."Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/08/06/what-is-excess-liability-insurance-for-homeowners/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#ExcessLiability #HomeownersInsurance #TexasHomeowners #UmbrellaInsurance #Lubbock #AssetProtection #HettlerInsurance #GetHettler 🛡️ ... See MoreSee Less

What Is Excess Liability Insurance for Homeowners

hettlerinsurance.com

TL;DR summary: Excess liability insurance raises the coverage limits of your primary policy after exhaustion, following exact terms and exclusions. It provides targeted protection on one policy, unlik...

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Hettler Insurance Agency is in Texas.

1 week ago

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Is Lubbock Insurance Hard To Find?

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