Skip to content
NEWS TICKER:
Danger: FPE Panel Stab-Lok Circuit Breakers
NEWS:
Danger: FPE Panel Stab-Lok Circuit Breakers
4432 S Loop 289, Lubbock, TX 79414
Mon – Fri: 8:30am to 5pm
Auto, Home, Biz, Life, Health
Insurance in Lubbock, Texas | Car, Auto, Home, Business, Life, Health | 30 Years Experience | Hettler Insurance Agency
  • Home
  • About Us
    • Why Independent Agent
    • Reviews & Testimonials
    • Insurance FAQs
    • Insurance SAQs
    • Insurance Glossary
    • Helpful Links
  • Car Home Quote
  • Life Quote
  • Insurance
    • Auto Insurance
      • Free Auto Insurance Quote
      • Motorsport and ATV Insurance
      • Boat & Watercraft Insurance
      • RV & Mobile Home Insurance
    • Homeowners Insurance
      • Free Home Insurance Quote
      • Renters Insurance
        • Landlord Insurance
      • Condo Insurance
      • Flood Insurance
        • Storm and Hail Insurance
      • Earthquake Insurance
    • Business Insurance
      • Business Owners Policy
        • Commercial Liability Insurance
        • Commercial Property & Auto
        • Workers Comp Insurance
        • Cyber Security Insurance
      • Contractors Insurance
        • General Contractor Remodeler
        • Inland Marine Insurance
        • Builder’s Insurance
          • Carpentry and Cabinets Installer Insurance
        • Electrician Insurance
        • HVAC Contractor Insurance
      • Used Car Dealer Texas
      • Hotel Insurance
        • Restaurant & Bar Owners
      • Medical Providers Insurance
    • Life/Health Insurance
      • Life insurance
      • Personal Umbrella Insurance
  • Blog | News
    • Lubbock Business News
    • FPE StabLok Breaker Panels
  • Contact
Call (806) 798-7800

health insurance

Home Β» health insurance
  • Open Enrollment Health Insurance | Lubbock Insurance Texas | Hettler Insurance Agency | 806-798-7800
    Open Enrollment for Health Insurance Nov 1 to Dec 15, 2022 for coverage that starts Jan 1, 2023
    Gallery
    Open Enrollment for Health Insurance Nov 1 to Dec 15, 2022 for coverage that starts Jan 1, 2023
    Tags: affordable health care act, cheap health insurance lubbock, health insurance|

    Health Insurance, Affordable Healthcare Act (ACA), Obamacare, Marketplace insurance, etc.Β  Whatever name you call it by, it’s that time of year.Β  Remember, you’re generally not allowed to make changes any other time, except after a “Qualifying life event (QLE)” like getting married, having a baby, or losing health coverage.Β  For more info and other QLE examples see HealthCare.gov. And, click here for a Health Insurance […]

    read more
  • Cheap Health Insurance Lubbock Texas, Explainer Article | Hettler Insurance Agency, (806) 798-7800
    Cheap Health Insurance Lubbock Texas, Explainer Article Video
    Gallery
    Cheap Health Insurance Lubbock Texas, Explainer Article Video
    Tags: affordable health care act, cheap health insurance lubbock, health insurance, independent insurance agent, Obamacare, open enrollment|

    Cheap Health Insurance Lubbock Texas, Explainer Article | Hettler Insurance Agency, (806) 798-7800 Health Insurance Health insurance Open Enrollment ends Jan. 15th.Β  The word ‘insurance’ can be defined as an arrangement by which one party agrees to pay another in case of some uncertain event. This is a type of insurance that is used to protect the insured against any health problems. Health insurance in […]

    read more
  • Is Lubbock Insurance Hard To Find? | 806-798-7800, Hettler Insurance Agency, Lubbock Texas
    Is Lubbock Insurance Hard To Find?
    Gallery
    Is Lubbock Insurance Hard To Find?
    Tags: Auto Insurance Quote, Business Insurance, health insurance, independent insurance agent, Lubbock Insurance|

    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 […]

    read more
  • Lubbock Insurance Stop This Now, Let Us Help | Hettler Insurance Agency, Lubbock Texas
    Stop Trying To Do Lubbock Insurance All Alone [infographic video]
    Gallery
    Stop Trying To Do Lubbock Insurance All Alone [infographic video]
    Tags: auto insurance, Business Insurance, health insurance, home insurance, independent insurance agent, life insurance, Lubbock Insurance|
    read more
  • Medical Bills Frugal Living Tips | Hettler Insurance Agency, Lubbock Texas
    How to Lower Your Medical Bills Using Frugal Living Tips
    Gallery
    How to Lower Your Medical Bills Using Frugal Living Tips
    Tags: American Medical Association, health insurance, healthcare, independent insurance agent, medical bills, Medical Insurance|
    read more
  • Reduce Health Care Expenses: 7 Frugal Living Tips, Plus One | Hettler Insurance Agency, Lubbock Texas
    Reduce Health Care Expenses: 7 Frugal Living Tips, Plus One
    Gallery
    Reduce Health Care Expenses: 7 Frugal Living Tips, Plus One
    Tags: affordable health care act, health insurance, independent insurance agent|

    Do you want to save money? It’s possible to save $500 or more per month. But, how do you make it work? For several years, health care expenses have been on the rise. For nearly every household, healthcare costs continue to be a major expense. The expense for the care itself continues to increase, and, naturally, insurance costs tend to rise also. Discovering ways to […]

    read more
  • Healthcare Coverage, Health Insurance | Hettler Insurance Agency, Lubbock Texas
    Fast Track Guide for Obtaining Healthcare Coverage
    Gallery
    Fast Track Guide for Obtaining Healthcare Coverage
    Tags: Affordable Care Act, health insurance, Obamacare|

    Who needs health insurance? The fact is: health insurance makes healthcare more accessible and affordable. Yes, this includes preventive services like regular check-ups with your doctor and health screenings. (By the way, Open Enrollment for health insurance is Nov. 1st – Dec. 15th) For example, in 2019, only one-third of the U.S population’s uninsured citizens set up a preventive service visit with a doctor. In […]

    read more
  • Licensed Agents, Certified Insurance Counselors | Hettler Insurance Agency | Lubbock, Texas
    [video] How To Choose Best Independent Insurance Agency In Texas
    Gallery
    How To Choose Best Independent Insurance Agency In Texas
    Tags: auto insurance, Business Insurance, health insurance, home insurance, life insurance|

    Top 12 List for Independent Insurance Agency, Plus A Bonus During some period of your life, you’ll probably need the services of an independent insurance agent, maybe in Lubbock, Texas. Let’s face it, auto, homeowners, business, health, disability, and life insurance can prevent financial disaster in times of crisis. And, good insurance is peace of mind. An outstanding insurance agent can help you protect all […]

    read more
  • Open Enrollment for Health Insurance, Nov 1st to Dec 15th | Hettler Insurance Agency, Lubbock Texas
    Why Is Open Enrollment A Big Deal For Health Insurance?
    Gallery
    Why Is Open Enrollment A Big Deal For Health Insurance?
    Tags: health insurance, Medical Insurance, open enrollment|

    Not having health insurance can be…Scary! Open enrollment is Nov. 1st – Dec. 15th. Give us a call so we can help you! (806) 798-7800, M-F 8:30am-5pm So, why is open enrollment such a big deal for health insurance? Have you ever thought to yourself: “I should be allowed to update or buy health insurance whenever it’s convenient for me. That’s not fair. Why do […]

    read more
  • Spookiest Halloween Insurance Claims | Hettler Insurance Agency, Lubbock Texas 806-798-7800
    The Spookiest Halloween Insurance Claims
    Gallery
    The Spookiest Halloween Insurance Claims
    Tags: auto insurance, health insurance, home insurance, Renters Insurance|

    ο»Ώ Halloween is known for bats, vampires, ghosts, witches, candy, and… insurance claims? These can be the spookiest of all. And Halloween is one of the biggest days for the kind of trickery that leads to insurance claims.

    read more
  • health insurance
    What Happens If You Don’t Have Health Insurance?
    Gallery
    What Happens If You Don’t Have Health Insurance?
    Tags: Affordable Care Act, health insurance, Obamacare, open enrollment|

    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 […]

    read more
  • Spiders Rats Bats Infestation Liability Insurance | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas
    Are Exorcisms, Ghosts and Werewolves Covered by Liability Insurance?
    Gallery
    Are Exorcisms, Ghosts and Werewolves Covered by Liability Insurance?
    Tags: Business Insurance, General Liability Insurance, halloween, health insurance, home insurance, insurance questions|

    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 […]

    read more
Hettler Insurance Agency
Hettler Insurance Agency
4.5
Based on 31 reviews
powered by Google
review us on
blaine bearman
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
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
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
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
js_loader
  • Popular
  • Recent
  • texas solar ranking
    Solar Powered Homeowners Insurance in Texas
    July 14, 2016
  • 4 Reasons Lubbock Texas is Dangerous
    June 19, 2019
  • Lubbock growing
    Top Reasons Lubbock Is The Best Place To Live In 2019
    June 19, 2019
  • Home Renovation Strategies Long Term Value Investments Pay Off | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, Call 8067987800
    Home Renovation Strategies and Long-Term Value: Investments That Pay Off
    September 27, 2023
  • Hidden Dangers FPE Panel Stab-Lok Circuit Breakers and Your Home square-ebook-cover | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Danger: FPE Panel Stab-Lok Circuit Breakers
    March 19, 2024
  • July 4th Closed | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Closed July 4th & 5th
    July 3, 2024
  • Hidden Dangers FPE Panel Stab-Lok Circuit Breakers and Your Home square-ebook-cover | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Danger: FPE Panel Stab-Lok Circuit Breakers
    March 19, 2024
  • Happy New Year 2024 | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    New Year, Closed Jan. 1st, 2024
    December 29, 2023
  • Mercury Insurance, Claims, Ho Ho Homeowners Holidays | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Essential Guide to Auto Insurance: Understanding, Customizing, and Optimizing Your Policy
    December 29, 2023
  • Dec. 15th Noon-2pm, Closed for Long Lunch, Employee Christmas Party | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Dec. 15th Noon-2pm, Closed for Long Lunch, Employee Christmas Party
    December 6, 2023

Categories


Archives


Facebook Feed

Cover for Hettler Insurance Agency
630
Hettler Insurance Agency

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.

3 days ago

Hettler Insurance Agency
A $300,000 Texas home with a 2% wind/hail deductible means $6,000 out of pocket BEFORE your insurer pays a dime on a claim. Most homeowners don't realize this until the hail hits.Texas deductibles aren't one-size-fits-all. Wind/hail is usually a percentage. Flood is separate (and not covered by your homeowners policy at all). Liability and standard perils each have their own structure. The right mix can lower premiums AND keep your out-of-pocket exposure manageable when storm season delivers.Smart moves: upgrade to an impact-resistant roof (15–35% discount), build an emergency fund equal to ~2% of your dwelling value, and review your declarations page at every renewal. Ron Hettler, CIC (Certified Insurance Counselor) has guided Lubbock families through these decisions since 1992 β€” independent agency, 30+ carriers, no extra fee.πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414πŸ”— hettlerinsurance.com/2026/05/12/texas-insurance-deductible-guide-hail-flood-c#texasinsurances#homeownersinsurances#lubbocktx##HailDamageH#floodinsuranced#hettlerinsurancer#westtexas#WestTexas 🀠 ... See MoreSee Less

Texas insurance deductible guide: protect your home and budget

hettlerinsurance.com

TL;DR Summary: Understanding insurance deductible guide for Texas, deductible types and their impact helps Texas homeowners prepare financially for storms. Choosing a deductible aligned with your risk...
View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

Hettler Insurance Agency is at Hettler Insurance Agency.

5 days ago

Hettler Insurance Agency
A generic business insurance policy almost never fits a Texas business. Hailstorms in Lubbock, hurricane exposure on the Gulf Coast, and Texas's unique opt-out workers' comp system create coverage gaps that off-the-shelf policies miss entirely.The good news: smart customization can lower premiums by up to 30% AND improve protection at the same time. BOP bundling alone typically saves 20–30%. Switching to annual payments saves another 5–10%. Strategic deductibles, safety programs, and trade-association group rates stack on top.Ron Hettler, CIC has been customizing coverage for Lubbock and West Texas business owners since 1992. Independent agency, 30+ top-rated carriers, no extra fee. Schedule your annual policy review before storm season catches you off guard.πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414πŸ”— hettlerinsurance.com/2026/05/19/customize-business-insurance-texas-bus#texasbusinessa#smallbusinessinsurances#lubbocktx##commercialinsurancel#BOPr#hettlerinsurancer#westtexas#WestTexas 🀠 ... See MoreSee Less

How to customize business insurance for Texas businesses

hettlerinsurance.com

TL;DR Summary: Texas businesses face unique risks like hurricanes, hailstorms, and optional workers’ compensation. Customizing coverage, including bundling and increasing deductibles, can lead to si...
View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

Hettler Insurance Agency is at Hettler Insurance Agency.

5 days ago

Hettler Insurance Agency
Just closed on your first Texas home? Congratulations β€” now make sure your homeowners insurance actually holds up when it matters.Standard policies exclude flood damage entirely. Wind, hail, and hurricane claims trigger percentage deductibles (1–5% of your home's value, not a flat dollar amount). Jewelry is often capped at $1,500. And insuring at market value instead of replacement cost can devastate your recovery after a major loss.Ron Hettler, CIC has been guiding Lubbock and West Texas first-time buyers since 1992. Independent agency, 30+ top-rated carriers, no extra fee, no pressure. Read our full first-time buyers guide, then call us for a real coverage review before storm season.πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414πŸ”— hettlerinsurance.com/2026/05/11/texas-homeowners-insurance-guide-first-time-buye#firsttimehomebuyerb#lubbocktxo#TexasHomeInsurancer#homeownersinsurancer#hettlerinsurancer#westtexasT#newhomewHome πŸ”‘ ... See MoreSee Less

Texas homeowners insurance guide: 5 essential facts

hettlerinsurance.com

TL;DR Summary: Texas homeowners insurance policies exclude flood damage, requiring separate flood insurance coverage. Texas weather risks like hail, hurricanes, and tornadoes affect policy coverage an...
View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email


Trusted. Expert. Advisors.

Don’t Do Insurance Alone!
Free Quote
  • 30+ years insurance experience.
  • Need a friend on the inside?
  • We speak insurance-ese.

  • Let us do the hard work FOR you!
  • Get Better, Get Hettler!

Call (806) 798-7800

4432 S Loop 289, Lubbock, TX 79414

Hettler Insurance Agency, Lubbock Texas, (806) 798-7800
  • About Us
  • Why an Agency
  • Insurance FAQs
  • Insurance
  • Blog | News
  • Lubbock Biz News
  • Contact

Copyright Β© 1992- | Hettler Insurance Agency (License # 9513) | All Rights Reserved | Sitemap | Privacy | Disclaimer | Contact

Page load link
Go to Top