Insurance Agency in Brownsville, Texas

Auto, home and business coverage for Brownsville

Aulona Insurance Group places auto, home and business coverage for Brownsville, with the cars, the house and the shop handled in one conversation, coastal homeowners and dwelling coverage in the Tier 1 and Tier 2 coastal counties included.

Brownsville is the Cameron County seat, and Cameron County is one of the 14 first-tier coastal counties in the designated windstorm area, so windstorm goes through the Texas Windstorm Insurance Association and flood through the National Flood Insurance Program, separately from the homeowners policy.

Service is by phone from the one office, in Plano, and no visit to Brownsville or to Plano is part of placing coverage. Quoting and binding both wait for the recorded call with Luka Cenaj, in English or Albanian. Aulona Insurance Group works under Texas Agency License #3481412 and publishes what it cannot write.

Auto insurance in Brownsville

Brownsville is the seat of Cameron County. A Brownsville policy is rated on the garaging address, which places the vehicle in a county and a rating territory.

Texas Transportation Code §601.072 sets the Brownsville liability floor at 30/60/25, and two coverages above it are offers the driver has to refuse in writing:

• Personal injury protection (PIP), under Texas Insurance Code §1952.152
• Uninsured and underinsured motorist coverage, under Texas Insurance Code §1952.101

Drivers cross into Matamoros from the city, and the Texas Department of Insurance consumer auto guide is plain that a Texas auto policy does not follow a vehicle into Mexico. Mexican liability coverage is bought separately.

Home insurance in Brownsville

Home insurance in Brownsville is a windstorm question first, because Cameron County is one of the 14 first-tier coastal counties the Texas Windstorm Insurance Association serves under Texas Insurance Code ch. 2210.

The National Weather Service Brownsville/Rio Grande Valley forecast office issues the tropical storm and hurricane watches and warnings for Cameron County, and three policies usually have to line up behind one storm:

• The homeowners or dwelling fire policy, for the fire, theft and liability side
• TWIA or a private windstorm policy, for wind and hail
• A National Flood Insurance Program policy for rising water, which carries a 30-day waiting period on a new policy

Coastal Texas homeowners, dwelling fire, condo and renters, landlord DP-1 and DP-3, and personal umbrella coverage above the home and auto liability limits are all inside what Aulona Insurance Group places.

Business insurance in Brownsville

Business insurance in Brownsville runs through a small-business program with hard eligibility limits, so a Brownsville owner is better off checking the band before anything else:

• 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, and each location needs its own business owners policy

Past size, a Brownsville file needs losses under $20,000, two incidents at most in three years, and a clean record on cancellation and bankruptcy.

Aulona Insurance Group places the business owners policy, general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto. Restaurants, retail, personal care, professional services and pet services are the classes that place most readily.

Where Aulona Insurance Group is not the right fit

The Brownsville no-fit list is short, and two entries cover most of the calls.

• Used-goods dealers, with no market on the agency’s package lines
• Gas stations, with no market on the agency’s package lines

The complete list is on the agency page rather than repeated under every city, Brownsville included. Nothing in life, health, Medicare or disability is written for Brownsville, and that is said up front.

Working with Aulona Insurance Group from Brownsville

Cameron County is one of the 14 first-tier coastal counties in the designated windstorm area, so a Brownsville wind and hail risk can reach the Texas Windstorm Insurance Association, but only after an authorized insurer has declined it and only on a structure that holds a windstorm certificate of compliance.

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