Business Details
34 Years
experience
Your Trusted Lubbock Insurance Partner
Hettler Insurance, founded in 1992 by Ron Hettler, has served Lubbock, Texas, and surrounding areas for over three decades. Our team of licensed agents and Certified Insurance Counselors (CIC) specializes in delivering personalized insurance solutions for individuals and businesses. With expertise in auto, home, life, health, and commercial insurance, we prioritize client needs by comparing policies across 30+ carriers to ensure competitive pricing and comprehensive coverage.Our commitment to transparency, no hidden fees, and deep local knowledge has earned us a reputation as a trusted advisor in risk management. We pride ourselves on speaking 'insurance-ese' fluently, translating complex policies into plain English to empower informed decisions. From handling claims to policy renewals, our client-centric approach ensures tailored support at every stage.
Services
Auto Insurance
Home Insurance
Business Insurance
Life Insurance
Health Insurance
Flood Insurance
Earthquake Insurance
Cyber Security Insurance
Contractors Insurance
Umbrella Insurance
Details
- Year established: 1992
Highlights and features
- 30+ years of local insurance expertise
- No extra fees for our services
- Certified professionals translate insurance jargon
- Independent agency with 30+ carrier options
- Client-first approach to policy shopping
Associations and certifications
- Certified Insurance Counselors (CIC)
What people say
Amazing service
Helpful and professional
Significant savings
Patient explanations
Trusted advisors
Services
Auto Insurance
Comprehensive auto insurance coverage for cars, trucks, motorcycles, and commercial vehicles. Includes collision, comprehensive, and liability protection tailored to Texas drivers' needs. Special programs for classic cars, RVs, and high-risk vehicles ensure all drivers find appropriate coverage.
Home Insurance
Customizable homeowners insurance protecting against fire, hail, wind, and theft. Specialized policies for condos, renters, and landlords. Flood and earthquake insurance available to address Texas-specific risks, ensuring complete protection for your primary residence.
Business Insurance
Tailored commercial insurance packages including BOP policies, general liability, and workers' compensation. Cybersecurity coverage and surety bonds protect Texas businesses from modern risks. Builders risk policies cover construction projects against theft and weather damage.
Life/Health Insurance
Life insurance options including term and whole life policies. Health insurance solutions for families and individuals with guidance on Medicare supplements and affordable coverage options. Personal umbrella policies provide additional liability protection for major life events.
Commercial Umbrella Insurance
Excess liability coverage extending beyond standard business insurance limits. Protects against catastrophic lawsuits and rising legal costs. Provides critical financial security for businesses facing high-risk scenarios beyond typical policy caps.
People
Ron Hettler
President/Owner
Certified Insurance Counselor with 40+ years of experience. Served as president of multiple local insurance associations. Graduated from DePauw University in 1979 and obtained CIC designation in 1989. Specializes in life/health insurance and business risk management.
Meghan Harris
Office Manager
Certified Insurance Counselor with advanced training in policy optimization. Manages all insurance lines and specializes in business owner policies. Expert in Texas-specific insurance regulations with deep knowledge of 30+ carrier networks.
Lori Taylor
Property Insurance Agent
Licensed personal lines agent with 20+ years of insurance experience. Former claims adjuster providing unique insights into policy evaluation. Focuses on home and auto insurance optimization while delivering personalized client support during claims processes.
Questions
What types of insurance does Hettler offer?
We provide auto, home, life, health, business, flood, earthquake, cyber security, and commercial umbrella insurance policies tailored to Texas residents and businesses.
Why use an independent insurance agent?
As an independent agency, we compare policies across 30+ carriers to find you better coverage at competitive prices without hidden fees.
Does homeowners insurance cover flood damage?
Standard policies don't cover floods. We offer separate flood insurance policies to protect Texas properties against water damage from severe storms.
How can I lower my car insurance costs?
We analyze your driving habits, vehicle type, and coverage needs to identify savings opportunities while maintaining adequate protection for Texas drivers.
What is commercial umbrella insurance?
This policy provides extra liability protection beyond standard business insurance limits, crucial for defending against high-cost lawsuits affecting Texas businesses.
Do you offer cyber security insurance?
Yes, our cyber liability policies protect Texas businesses against data breaches and digital risks, covering legal costs and business interruption losses.
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