Business Details
34 Years
experience
Your Trusted Insurance Partner in Lubbock, TX
Hettler Insurance was founded in 1992 when Ron Hettler acquired a portion of the century-old Cornwall and Stevens insurance firm, establishing a local presence in Lubbock, Texas. With over three decades of experience, the agency has grown to serve thousands of families and businesses across Texas, offering comprehensive insurance solutions tailored to individual and commercial needs. Our team includes licensed insurance agents and Certified Insurance Counselors (CIC), a credential widely regarded as the pinnacle of professional achievement in the insurance industry. As an independent brokerage, we prioritize client interests by partnering with multiple carriers to deliver competitive policies and personalized service. Our commitment to excellence is reflected in our deep community ties, including leadership roles in local organizations such as the Independent Insurance Agents of Lubbock and the Lubbock Area Health Underwriters Association.We specialize in navigating complex insurance landscapes, from personal auto and home coverage to specialized commercial policies, ensuring clients receive both value and protection. Our dedication to transparency, ethical practices, and client education has earned us a reputation as a trusted advisor in risk management. With a focus on long-term relationships, we provide ongoing support through life changes, policy adjustments, and claims assistance. Our 30+ years in business underscore our stability and expertise, while our staff's combined industry experience triples that duration. We remain family-owned and operated, blending institutional knowledge with personalized attention to meet evolving client needs.
Services
Auto Insurance
Homeowners Insurance
Business Owners Policy
Health Insurance
Life Insurance
Flood Insurance
Earthquake Insurance
Cyber Security Insurance
Contractors Insurance
Umbrella Insurance
Details
- Year established: 1992
Highlights and features
- 30+ years in business with staff experience tripling that duration
- No extra fees for services, unlike some competing agencies
- Certified Insurance Counselors translate complex policy details into plain English
- Independent brokerage model ensures unbiased shopping across 30+ carriers
- Family-owned operation with deep Lubbock community ties
Associations and certifications
- Certified Insurance Counselors (CIC)
What people say
Absolutely amazing
Refreshingly professional
Very friendly
Significant savings
Patient guidance
Services
Auto Insurance
We provide comprehensive auto insurance coverage for cars, trucks, motorcycles, and commercial vehicles. Our policies protect against collision, comprehensive damage, and liability claims. With access to multiple carriers, we help clients find competitive rates while ensuring adequate protection for Lubbock's unique driving conditions, including weather-related risks. Our team assists with policy customization, claims processing, and coverage education.
Homeowners Insurance
Our homeowners insurance protects Lubbock residents' most valuable assets against common risks like hail, windstorms, and theft. Policies include dwelling coverage, personal property protection, and liability safeguards. We offer specialized options for condos, landlords, and earthquake coverage. With Texas' history of severe weather events, we help clients understand policy details and ensure adequate replacement cost coverage for their homes.
Business Owners Policy
Tailored insurance packages for Texas businesses combine property, liability, and business interruption coverage. Our BOP addresses Lubbock County's specific risks, including wind/hail damage and lightning strikes. We serve diverse industries with liability protection, workers' compensation, and cyber security insurance. Our independent agency model allows comparison across carriers to find cost-effective solutions for small to mid-sized businesses.
Health Insurance
We assist individuals and families with health insurance solutions that balance cost and coverage. Our services include marketplace plans, supplemental policies, and Medicare options. For new immigrants and complex cases, we provide detailed policy explanations and application assistance. Our Certified Insurance Counselors help clients navigate changing regulations and find affordable coverage that meets their healthcare needs.
Life Insurance
Our life insurance offerings include term and whole life policies to protect families' financial futures. We provide umbrella policies for additional liability coverage and estate planning guidance. With personalized consultations, we help clients determine appropriate coverage amounts and policy structures. Our independent status allows access to multiple carriers, ensuring competitive rates and flexible terms for both individual and business-related life insurance needs.
People
Ron Hettler
President/Owner & Certified Insurance Counselor
With 40+ years in insurance, Ron founded Hettler Insurance in 1992 after acquiring part of a 100-year-old firm. A Certified Insurance Counselor since 1989, he specializes in all insurance lines while leading local industry groups. He graduated from DePauw University and balances client service with community involvement through Rotary and Texas Tech golf associations.
Meghan Harris
Certified Insurance Counselor
Ron's daughter Meghan manages office operations and specializes in expanding coverage options across 30+ carriers. With advanced insurance certifications, she focuses on property, auto, and business policies. Her expertise includes tiny home insurance and simplifying complex policy details for Lubbock clients seeking both savings and comprehensive protection.
Lori Taylor
Auto & Property Insurance Agent
Since 2016, Lori has leveraged 20+ years of insurance experience, including prior claims adjusting work. She specializes in policy re-shopping to reduce costs while maintaining coverage. A Lubbock resident since 2008, she provides personalized support for home and auto insurance needs, emphasizing client education and post-claim satisfaction.
Questions
What does homeowners insurance cover in Texas?
Texas homeowners insurance typically covers dwelling damage from perils like hail and wind, personal property loss, and liability claims. Flood and earthquake coverage require separate policies.
Why use an independent insurance agent?
Independent agents like Hettler compare rates across multiple carriers, provide personalized service, and advocate for clients during claims while offering localized expertise in Lubbock's unique risks.
What affects car insurance costs in Texas?
Factors include vehicle type, driving record, annual mileage, credit history, and location. Lubbock's weather patterns and commute distances specifically impact local rates.
What is covered under comprehensive auto insurance?
Comprehensive coverage protects against non-collision damage including hail, theft, vandalism, and natural disasters, which are particularly relevant for Texas drivers.
Do I need earthquake insurance in Texas?
While not legally required, earthquake insurance is recommended as Texas experiences seismic activity. Most standard policies exclude this coverage, which Hettler can provide separately.
Videos
Reviews (7)
Robert Freeman
Jul 07, 2026
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Hettler insurance has been very helpful and informative. I really appreciate their help. I highly recommend your agency whenever I can,,
Weston Tomme
Jun 22, 2026
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Ron and his team of agents are fantastic. Great customer service and always fighting to find the best plan for me and my family.
Chuck Lanehart
Apr 24, 2026
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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.
Roy Bassett
Apr 11, 2025
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Great customer service that takes the time to listen to their customer's needs. We were changing carriers and Lesley was so helpful walking me through that process and making sure we had the right coverage at the best price. She was great to work with! We feel so much better about our coverage now. Thank you, Lesley and Hettler Insurance!
Morgan C.
May 05, 2022
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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!
Weijun Huang
Aug 09, 2020
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A friend recommended Hettler Insurance Agency for my familys 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.
Tyler Copenhaver
Jul 29, 2020
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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!
