Insurance Agency in Beaumont, Texas
Households and businesses in Beaumont are handled by phone. Jefferson County TWIA wind and NFIP flood. First-tier TWIA, V-zone flood required.
Aulona Insurance Group is an independent insurance agency licensed in Texas (Agency License #3481412) with an office in Plano. Luka Cenaj, a licensed Texas agent, is the reviewer of record for every coverage page on this site.
Texas Agency License #3481412 · NPN 22184980 · English & Albanian
On this page6 sections
Auto, home and business coverage for Beaumont
Aulona Insurance Group places auto, home and business coverage for Beaumont, in Texas only, and a Beaumont storm file gets assembled from three pieces: a homeowners policy, windstorm coverage and a flood policy.
Jefferson County, with Beaumont as its county seat, is one of the 14 first-tier coastal counties inside the designated windstorm area, which is what makes those three pieces three separate decisions on a Beaumont address.
Service is by phone from the one office, in Plano, and no visit to Beaumont or to Plano is part of placing coverage. A Beaumont file reaches a quote through one route, the recorded call with Luka Cenaj, held in English or in Albanian. Aulona Insurance Group works on Texas Agency License #3481412 and cannot submit to a company it holds no appointment with.
Auto insurance in Beaumont
Auto insurance for a Beaumont driver rates on Jefferson County, of which Beaumont is the county seat.
Texas Transportation Code §601.072 sets the liability floor for every Texas driver 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
Hurricane season decides the rest. A vehicle flooded on I-10 or parked in standing water is a comprehensive claim, never a liability or collision one, and a Beaumont driver on the state minimum carries none of that coverage. The National Weather Service Lake Charles forecast office is the office that warns Jefferson County.
Home insurance in Beaumont
Home insurance in Beaumont usually takes three policies to cover one hurricane, which is the part most homeowners find out during a claim.
The three pieces:
- A homeowners policy for fire, liability and ordinary weather damage, frequently written with the wind peril excluded on the coast
- Windstorm and hail from the Texas Windstorm Insurance Association (TWIA), which writes in the first-tier coastal counties under Texas Insurance Code ch. 2210, and Jefferson County is one of them
- Flood from the National Flood Insurance Program through FEMA, on its own policy, with a 30-day waiting period before it starts
Aulona Insurance Group places coastal homeowners and dwelling coverage in the Tier 1 and Tier 2 coastal counties, with windstorm through the Texas Windstorm Insurance Association inside the designated catastrophe area and flood through the National Flood Insurance Program. Dwelling fire, condo and renters, landlord DP-1 and DP-3, and personal umbrella coverage above the home and auto liability limits are placed as well.
Business insurance in Beaumont
Business insurance for a Beaumont company runs through a small-business program, and the size band is where a refinery-corridor contractor usually finds out whether the program fits.
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
Loss history closes the band in Beaumont: under $20,000, no more than two incidents in three years, and no earlier carrier cancellation or bankruptcy.
Restaurants, professional services, fitness studios, retail, personal care, pet services and real estate are the classes that place most readily. Construction trades are workable with general liability and umbrella. 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
A Beaumont caller runs into one of two limits more often than any other.
- Roofing and siding, which the rebuild trade after a storm produces, with no market on the agency’s package lines
- Gas stations, with no market on the agency’s package lines
The agency page holds the full personal and business declination list behind these Beaumont examples. Life, health, Medicare and disability stay outside what a Beaumont file can hold.
Working with Aulona Insurance Group from Beaumont
Jefferson County is one of the 14 first-tier coastal counties in the designated windstorm area, and a Beaumont structure built, remodeled or enlarged on or after September 1, 2009 in flood zone V, VE or V1-30 has to carry flood cover before the Texas Windstorm Insurance Association will write the wind.
- Start on the quote form, eight questions and roughly two minutes, finishing with the one-time code texted to your mobile, or leave a Beaumont callback number on the contact page.
- Luka Cenaj calls back on a recorded line and goes through the vehicles, the Beaumont property and the business, where there is one.
- Aulona Insurance Group submits the Beaumont file only to the insurers it holds appointments with.
What happens when you contact us
Callback, call, placement. No pricing is shown before a licensed agent has spoken with you.
Request a callback
Leave a number and a good time on the contact page, or call the agency directly. We text a code to confirm your number.
A licensed agent calls you
Luka goes through coverage and your situation. No pricing is shown before that call.
Coverage gets placed
We go to the markets we hold appointments with and tell you plainly if we are not the right fit.
This page covers one part of Independent Insurance Agency Serving 50 Texas Cities.
