Insurance Agency in Corpus Christi, Texas

Auto, home, windstorm and flood for Corpus Christi

Aulona Insurance Group places personal auto, home and small commercial coverage for Corpus Christi, coastal homeowners and dwelling coverage in the Tier 1 and Tier 2 coastal counties included, with windstorm through the Texas Windstorm Insurance Association inside the designated catastrophe area and flood through the National Flood Insurance Program.

Nueces County, of which Corpus Christi is the seat, is one of the fourteen first-tier coastal counties the Texas Windstorm Insurance Association serves (Texas Insurance Code ch. 2210), so a Corpus Christi house is three policies rather than one.

Service is by phone from the one office, in Plano, and no visit either way is part of placing coverage. Coverage is quoted and bound only after a recorded call with Luka Cenaj, in English or Albanian.

Auto insurance in Corpus Christi

Auto insurance in Corpus Christi starts at the Texas liability floor of 30/60/25 (Texas Transportation Code §601.072), and the address the vehicle spends the night at sets the territory above it.

Corpus Christi is the seat of Nueces County, on the Gulf side of the Coastal Bend.

Storm damage to a vehicle lands on comprehensive coverage, never on liability:

• Wind, and whatever the wind throws at the car
• Hail, and a limb or roof panel coming down on it
• Rising water in the street or the driveway, which the National Flood Insurance Program never covers, because NFIP does not insure vehicles

Home insurance in Corpus Christi

Home insurance in Corpus Christi is three policies, not one, and a homeowner who thinks it is one policy finds out during a named storm.

Nueces County is one of the fourteen first-tier coastal counties served by the Texas Windstorm Insurance Association (Texas Insurance Code ch. 2210), so wind and hail often come off the homeowners form and onto a TWIA policy.

The three pieces:

• The homeowners, dwelling fire, condo, renters or landlord form, for fire, theft and liability
• TWIA or another windstorm market, for wind and hail
• National Flood Insurance Program flood, with a 30-day waiting period on a new policy

The National Weather Service Corpus Christi forecast office issues the tropical storm and hurricane watches and warnings for Nueces County.

Business insurance in Corpus Christi

A Corpus Christi business account can go out on a business owners policy (BOP), general liability, commercial property, workers compensation, professional liability, umbrella and excess, or commercial auto, each of which Aulona Insurance Group places.

Restaurants, bakeries, coffee shops and caterers are the classes that place most readily, followed by personal care, retail, fitness studios, pet services, education and professional services. Construction trades and auto service shops place with more underwriting questions.

The eligibility band 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
• Each location needs its own BOP, capped at $5 million of total insured value

On top of size, the account needs losses under $20,000, at most two incidents in three years, and no prior carrier cancellation or bankruptcy filing.

Coastal commercial property brings its own wind deductible, settled on the call.

Where Aulona Insurance Group is not the right fit

Some Corpus Christi risks get a no on the first call, and these two come up more than the rest.

• A coastal home risk that has to go to the specialty market, in English surplus lines
• Night clubs, with no market on the agency’s package lines

A Corpus Christi caller who wants the whole list before dialing will find it on the agency page. No Corpus Christi caller is written for life, health, Medicare or disability.

What moves the price of a Corpus Christi policy

A Corpus Christi premium is set by the insurer taking the risk, and Aulona Insurance Group publishes no figure for one.

Wind is the Coastal Bend variable. A Texas Windstorm Insurance Association policy carries its own windstorm deductible, and elevation, roof age and roof material are read alongside it, while flood is priced from the FEMA map zone instead.

On an auto file the driving record leads, followed by the Nueces County territory the vehicle garages in and the annual miles. A commercial account is carried by the class code, the payroll, the revenue and the loss runs.

Working with Aulona Insurance Group from Corpus Christi

Nueces County is one of the 14 first-tier coastal counties inside the windstorm area the Commissioner of Insurance has designated, so wind and hail on a Corpus Christi property can go to the Texas Windstorm Insurance Association, but only on a structure certified by the Texas Department of Insurance on a WPI-8 or WPI-8-E 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 Corpus Christi callback number on the contact page.
2. Luka Cenaj calls back on a recorded line and goes through the vehicles, the Corpus Christi property and the business, where there is one.
3. Aulona Insurance Group submits the Corpus Christi file only to the insurers it holds appointments with.