Business Details
34 Years
experience
Your Trusted Lubbock Insurance Agency for Auto, Home, and Business Coverage
Hettler Insurance has been serving Lubbock and Texas clients since 1992. Founded by Ron Hettler, our agency operates as an independent insurance brokerage, representing over 30 carriers to deliver tailored policies. With combined staff experience exceeding 30 years, we prioritize client needs without charging additional fees. Our team includes Certified Insurance Counselors who translate complex insurance terminology into clear, actionable guidance. We specialize in auto, home, business, life, and health insurance, focusing on protecting your most valuable assets.Our Lubbock roots enable us to offer localized expertise while maintaining state-wide reach. We work directly for clients rather than insurance carriers, ensuring unbiased recommendations. Our reputation for exceptional service is reflected in decades-long client relationships and online reviews. We remain committed to evolving with industry standards while preserving personalized service.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Life Insurance
Health Insurance
Commercial Property Insurance
Cyber Security Insurance
Renters Insurance
Umbrella Insurance
Details
- Year established: 1992
Highlights and features
- 30+ years combined insurance industry experience
- No additional service fees for policy procurement
- Expert translation of complex insurance terminology
- Client-first approach across multiple carrier options
- Local Lubbock expertise with statewide coverage
What people say
Absolutely amazing
Highly recommend
Helpful and friendly
Significant savings
Patient guidance
Services
Auto Insurance
Comprehensive auto insurance solutions for personal and commercial vehicles. Our coverage options include liability, collision, comprehensive, and specialty insurance for motorcycles, ATVs, and classic cars. Our agents help clients navigate Texas minimum requirements while securing optimal protection at competitive rates. We specialize in tailoring policies to individual driving records, vehicle types, and risk profiles.
Homeowners Insurance
Property protection plans for Lubbock and Texas residences. Coverage includes structural damage, personal liability, and additional living expenses. We offer specialized policies for standard homes, condos, renters, and properties requiring flood or earthquake coverage. Our agents ensure proper valuation of assets while explaining policy details in plain English to protect clients' most valuable investments.
Business Insurance
Customized risk management solutions for Texas businesses. Our offerings include Business Owners Policies (BOP), general liability, workers' compensation, cyber security, and contractor-specific coverage. We address industry-specific needs like commercial property damage protection in hail-prone areas and cyber liability for digital operations. Policies are designed to protect both assets and future earnings.
Life Insurance
Financial protection plans for families and dependents. Our options include term life policies for specific periods and whole life coverage for permanent protection. We also offer personal umbrella insurance providing additional liability coverage beyond primary policies. Our agents help determine appropriate coverage amounts based on individual family needs and future obligations.
Health Insurance
Health insurance solutions for individuals and families. We provide guidance through government-mandated options and private plans, including Medicare supplements. Our services help clients navigate policy specifics regarding provider networks, prescription coverage, and out-of-pocket expenses. We particularly assist new immigrants in understanding available options and selecting appropriate coverage levels.
People
Ron Hettler
President/Owner
With 40+ years in insurance, Ron holds Certified Insurance Counselor credentials. He founded Hettler Insurance in 1992 after working with Cornwall and Stevens. Active in local business associations, he prioritizes personalized service and community involvement. His expertise spans all insurance categories, particularly life/health policies.
Meghan Harris
Office Manager
As Ron's daughter and certified insurance counselor, Meghan manages operations and policy analysis. She specializes in expanding coverage options for property/auto policies while maintaining expertise across 30+ carriers. Her focus includes innovative solutions for unique properties like tiny homes across Texas.
Lori Taylor
Insurance Agent
Licensed personal lines specialist with 20+ insurance experience, including prior claims adjuster work. She helps clients optimize home/auto policies for better rates and provides empathetic claim support. Originally from South Florida, Lori relocated to Lubbock in 2008 and has served clients since 2016.
Questions
What insurance types do you specialize in?
We specialize in auto, home, business, life, and health insurance with additional expertise in cyber security, umbrella policies, and specialty coverage.
Why use an independent insurance agent?
As independent agents, we compare coverage options from 30+ carriers to find your best match without charging additional fees for our service.
What information do you need for an insurance quote?
Basic personal information, property details, driving records for auto policies, and existing coverage limitations help us provide accurate comparisons.
What affects car insurance costs in Texas?
Factors include vehicle type, driving record, location, usage patterns, and Texas-specific weather-related risk factors like hail damage frequency.
What's the difference between collision and comprehensive coverage?
Collision covers accident-related vehicle damage while comprehensive protects against non-collision events like theft, vandalism, and natural disasters.
Do you offer commercial insurance for small businesses?
Yes, we provide Business Owners Policies (BOP), general liability, workers' compensation, and industry-specific coverage for Texas businesses of all sizes.
Videos
Reviews (6)
Leonard Bates
Aug 22, 2021
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Called Hetler twice to get quote for quote on price for 2 auto's and home insurance. Said they would call back to give quote. If too busy for customer then I sure don't want them to handle my insurance needs.Reply: Been calling 2 Days ago. Placed call each day and never received status of why taking so long to receive call back. POOR BUSINESS STANDARDS.
Tyler Copenhaver
Oct 11, 2020
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Positive:Professionalism,Quality,Responsiveness
I called another agency first, and wish I hadn't. Ron was very knowledgeable and helpful in providing me with the information I was looking for. I highly recommend Hettler Agency for your insurance needs!
I called another agency first, and wish I hadn't. Ron was very knowledgeable and helpful in providing me with the information I was looking for. I highly recommend Hettler Agency for your insurance needs!
Eric Luna
Jul 24, 2020
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This place is amazing, simple explanations, great customer service and Mr. Hettler makes you feel VIP. I will be bringing all my insurance needs to Hettler Insurance.
Norma Reyes
May 19, 2020
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LOVE LOVE this place, Ron is such BLESSING and everyone there is so kind and ready to take care of you! HIGHLY HIGHLY recommend them!
Carla Settle
May 16, 2020
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Kali is an excellent insurance agent! She listens to our concerns and finds us the absolute best coverage for our needs. We sincerely appreciate everything she does for us!
Chuck Lanehart
Nov 07, 2019
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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.
