Insurance Agency in Austin, Texas

Auto, home and business coverage for Austin

Aulona Insurance Group places auto, home and small-business coverage on an Austin address, all three with one licensed agent rather than across three brands.

Austin is the Travis County seat, and the city limits also cross into Williamson and Hays County, which are three separate rating territories. The address, not the city name, is what decides the rating county on an Austin application.

Service is by phone from the one office, in Plano, and no visit to Austin or to Plano is part of placing coverage. Nothing on an Austin risk is quoted or bound before the recorded call with Luka Cenaj, in English or Albanian. Aulona Insurance Group works under Texas Agency License #3481412 and NPN 22184980, and quotes only the insurers it represents.

Auto insurance in Austin

Auto insurance in Austin starts at the liability floor Texas sets for every driver, written as 30/60/25 (Texas Transportation Code §601.072), and the garaging address decides the rest.

Austin is the county seat of Travis County, and the city limits also cross into Williamson County and Hays County, per the City of Austin.

An Austin mailing address settles nothing on its own. A house in North Burnet can sit in Travis County while a house further north, inside the same city limits, rates in Williamson County.

Personal injury protection (Texas Insurance Code §1952.152) and uninsured and underinsured motorist coverage (Texas Insurance Code §1952.101) both have to be offered, and refused in writing.

Home insurance in Austin

Home insurance in Austin has a hole in it, and the hole is water. A Texas homeowners policy does not cover flood, and Austin sits where the Balcones Escarpment turns a heavy rain into a fast creek rise.

The National Weather Service Austin/San Antonio forecast office issues the flash flood warnings and the severe thunderstorm and hail warnings that cover Travis and Williamson counties.

Two separate policies answer that:

• Flood, written through the National Flood Insurance Program, with a 30-day waiting period on a new policy and FEMA flood maps deciding the zone
• The homeowners, dwelling fire, condo, renters or landlord form, which answers hail and wind under its own windstorm and hail deductible

Aulona Insurance Group places flood, dwelling fire, condo, renters, landlord DP-1 and DP-3, and personal umbrella coverage above the home and auto liability limits.

Business insurance in Austin

Aulona Insurance Group writes the small commercial lines an Austin company usually needs: a business owners policy (BOP), general liability, commercial property, workers compensation, professional liability, umbrella and excess, and commercial auto.

The classes that place most readily in Austin are the ones carrying professional liability alongside the package: legal, accounting and finance, business consulting, marketing and advertising, architects and engineers, and technology services. Restaurants, coffee shops, caterers, fitness studios and personal care follow close behind.

Eligibility is fixed:

• 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
• New businesses accepted, with no time-in-business minimum

An Austin 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.

Where Aulona Insurance Group is not the right fit

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

• A business past $5 million in annual revenue or in W-2 payroll, which Austin software and services firms reach early
• Any home or business risk that has to go to the specialty market, in English surplus lines

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

What moves the price of an Austin policy

An Austin premium belongs to the insurer that writes the policy, filed with the Texas Department of Insurance, and Aulona Insurance Group prints no figure for one.

Travis, Williamson and Hays are three separate territories, and the garaging address decides which one applies. Flood is priced on its own, from the FEMA flood map zone, which drives the National Flood Insurance Program policy rather than the homeowners policy behind it.

Hail reaches an Austin homeowners file through the windstorm and hail deductible and the roof, and a commercial account through class code, payroll, revenue and loss runs.

Working with Aulona Insurance Group from Austin

Austin’s flood-program community listing, number 480624B, runs across Travis, Williamson and Hays County, and the current flood map for it took effect on January 17, 2025. The county on an Austin application follows the lot the address sits on, not the postmark.

1. Work through the quote form’s eight questions, about two minutes, ending with the one-time code texted to your mobile; an Austin caller can use the contact page instead.
2. Answer the recorded callback from Luka Cenaj, who goes through the drivers, the Austin property and any commercial exposure.
3. Let Aulona Insurance Group carry the Austin risk to the insurers it holds appointments with.