Insurance Agency in Abilene, Texas

Auto, home and business coverage for Abilene

Aulona Insurance Group places auto, home and business coverage on an Abilene address, with one licensed agent carrying the vehicles, the house and whatever the household runs on the side as a single file.

An Abilene application rates on Taylor County, the county Abilene is the seat of, and the northern edge of the city limits reaches into Jones County, so the garaging or property address decides the rating territory.

Service is by phone from the one office, in Plano, and no visit to Abilene or to Plano is part of placing coverage. Nothing on an Abilene risk is quoted or bound before the recorded call with Luka Cenaj, in English or Albanian. Aulona Insurance Group holds Texas Agency License #3481412 and quotes only the insurers it represents.

Auto insurance in Abilene

Auto insurance for an Abilene driver rates on Taylor County for most of the city, and Abilene is the county seat, with part of the city limits extending north into Jones County.

An Abilene application asks for the garaging address, which places the vehicle in a county and a rating territory.

Texas Transportation Code §601.072 sets the statewide liability floor at 30/60/25:

• $30,000 for injury to one person
• $60,000 for injuries in one accident
• $25,000 for damage to another person’s property

The National Weather Service San Angelo forecast office issues the severe thunderstorm and hail warnings that cover Taylor and Jones counties, and liability coverage pays none of that damage.

Home insurance in Abilene

Home insurance in Abilene is written against wind and hail rather than against water, which changes which numbers on the policy matter.

The National Weather Service San Angelo forecast office warns Taylor County for severe thunderstorms, hail and damaging wind, and two policy terms decide what those storms pay:

• The windstorm and hail deductible, often a percentage of the dwelling limit
• The roof settlement basis, where an older roof may settle at actual cash value instead of replacement cost

Aulona Insurance Group places dwelling fire, condo and renters, landlord DP-1 and DP-3, personal umbrella coverage above the home and auto liability limits, and flood through the National Flood Insurance Program. Landlord DP-1 and DP-3 is the form a Dyess Air Force Base household needs when orders move them out and the Abilene house becomes a rental.

Business insurance in Abilene

Business insurance for an Abilene company is placed through a small-business program with published eligibility limits, so an owner can check the fit before calling.

The band:

• Annual gross revenue under $5 million, and total W-2 payroll under $5 million
• Workers compensation runs through its own market and is not limited by the revenue and payroll figures above

An Abilene owner also has to be under $20,000 in losses, inside two incidents in three years, and clear of any prior cancellation or bankruptcy filing.

Restaurants, bakeries and caterers are the classes that place most readily. Professional services, fitness studios, retail, pet services, education, personal care and real estate follow. Workers compensation is optional for most private Texas employers under Texas Labor Code §406.002, and a non-subscriber files with the Texas Department of Insurance, Division of Workers’ Compensation.

Where Aulona Insurance Group is not the right fit

Two declinations do most of the work in Abilene, and both are said before an application goes out.

• A storage-only policy on a vehicle parked for a deployment, which the agency does not write
• Livestock operations and pet breeders outside the city, with no market on the agency’s package lines

The full declination list, personal and business, sits on the Aulona Insurance Group agency page and applies in Abilene unchanged. An Abilene request for life, health, Medicare or disability cover is declined on the call.

Working with Aulona Insurance Group from Abilene

Abilene’s flood-program community listing, number 485450, covers both Taylor and Jones County, and its current flood map has been in force since January 6, 2012. The county on an Abilene application follows the street address rather than the mailing city, and the two counties rate separately.

1. Start on the quote form, eight questions and roughly two minutes, finishing with the one-time code texted to your mobile, or leave an Abilene callback number on the contact page.
2. Luka Cenaj calls back on a recorded line and goes through the vehicles, the Abilene property and the business, where there is one.
3. Aulona Insurance Group submits the Abilene file only to the insurers it holds appointments with.