Insurance Agency in Conroe, Texas

Auto, home, flood and business for Conroe

Aulona Insurance Group places auto, homeowners, flood and business coverage across Montgomery County, Conroe included, and writes the flood policy alongside the homeowners policy rather than leaving the gap for a claim to find.

Conroe rates on Montgomery County, the county Conroe is the seat of, and a named storm that comes ashore on the upper Texas coast reaches Conroe as rainfall. The National Weather Service Houston/Galveston forecast office issues the flash flood and tropical storm warnings for the county.

Service is by phone from the one office, in Plano, and no visit to Conroe or to Plano is part of placing coverage. The recorded call with Luka Cenaj, in English or Albanian, comes before any Conroe quote and before anything is bound.

Auto insurance in Conroe

Auto insurance in Conroe rates on Montgomery County, the county Conroe is the seat of.

Texas Transportation Code §601.072 sets the liability floor for a Conroe 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

Personal injury protection and uninsured motorist coverage stay optional and each takes a signed written rejection (Texas Insurance Code §1952.152 and §1952.101). A flooded car is a comprehensive claim.

Home insurance in Conroe

Home insurance in Conroe is two policies. The National Weather Service Houston/Galveston forecast office issues the flash flood and tropical storm warnings for Montgomery County, and a named storm that comes ashore on the upper Texas coast reaches Conroe as rainfall.

The two policies, separately:

• The homeowners policy covers fire, theft, liability, wind and hail, and excludes flood everywhere in Texas
• Flood comes from the National Flood Insurance Program, carries a thirty-day wait on a new policy, and covers rising water whether or not the house sits in a mapped FEMA flood zone

Property around Lake Conroe is where that second policy stops being a formality. Montgomery County is inland of the fourteen first-tier coastal counties, so the Texas Windstorm Insurance Association does not write there (Texas Insurance Code ch. 2210).

Business insurance in Conroe

Aulona Insurance Group writes the commercial shelf a Conroe company usually needs, from the business owners policy through general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto.

Commercial auto is worth naming here, because a vehicle titled to an LLC is a commercial auto risk rather than a personal one. Aulona Insurance Group writes commercial auto alongside the package for a Conroe owner running two trucks.

The small-business program runs on hard eligibility limits:

• 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
• One business owners policy per location, capped at $5 million of total insured value

The loss side counts too: under $20,000 in losses on a Conroe account, no more than two incidents in three years, and no prior cancellation or bankruptcy.

Where Aulona Insurance Group is not the right fit

Aulona Insurance Group says no in writing to Conroe risks, and these two account for most of it.

• A business past $5 million in annual revenue or in W-2 payroll
• Roofing and siding, with no market on the agency’s package lines

Everything else the agency turns away is set out in full on the agency page, so the Conroe page carries only what comes up here. Life, health, Medicare and disability are not part of what the agency writes in Conroe.

Working with Aulona Insurance Group from Conroe

Conroe is flood-program community 480484, its first flood map took effect on May 16, 1977, and the map in force now dates from August 18, 2014. A Conroe building older than that 1977 map is pre-FIRM, which is the first thing a flood application establishes.

1. Answer the eight questions on the quote form, about two minutes, ending with a one-time code texted to your mobile, or leave a Conroe number on the contact page.
2. Take the recorded call from Luka Cenaj, who works through the drivers, the Conroe address and the operation behind it.
3. Leave the Conroe risk with Aulona Insurance Group to place with the insurers it holds appointments with.