Insurance Agency in Denton, Texas

Auto, home and business coverage for Denton

Aulona Insurance Group places auto, home and business coverage for Denton households and owners, and three things come with that:

• One agent covers the cars, the house and any business
• Standard and non-standard personal auto, including a driver carrying a ticket, an at-fault accident, a lapse or an SR-22 requirement
• A published list of what the agency cannot place, on this page, before anyone calls

Denton is the seat of Denton County, where I-35E and I-35W come back together as I-35, and hail is the peril a Denton home file is written against.

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

Auto insurance in Denton

Denton is the seat of Denton County, where I-35E and I-35W come back together as I-35.

Texas Transportation Code §601.072 sets the Denton liability floor 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

Student drivers are the Denton wrinkle. The University of North Texas and Texas Woman’s University both sit inside the city, and a car titled to a parent elsewhere in Texas but garaged at a Denton address belongs on the policy at the Denton address. Underwriters rate the garaging address, so the application needs the address where the car sits overnight.

Home insurance in Denton

Home insurance in Denton answers hail first. The National Weather Service Fort Worth/Dallas forecast office issues the severe thunderstorm and hail warnings for Denton County, and NOAA’s Storm Events Database records each report by county, which is why the roof deductible and the roof settlement term matter more here than the dwelling limit.

A preferred owner-occupied home inland in the Dallas or Fort Worth suburbs is the weakest property risk the agency handles, and that is said up front.

Stronger for Denton: renters, including student renters, condo, dwelling fire, landlord DP-1 and DP-3, personal umbrella coverage above the home and auto liability limits, and NFIP flood with its 30-day waiting period.

Business insurance in Denton

Business insurance in Denton runs through the agency’s small-business band, which is the gate every account passes through:

• 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

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

Aulona Insurance Group places that package along with general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto. Around the Denton square and the two campuses, restaurants, coffee shops, bars, barbers and salons, fitness studios, retail and education businesses are the classes that place most readily.

Where Aulona Insurance Group is not the right fit

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

• Night clubs and bars, which two campuses produce, with no market on the agency’s package lines
• Preferred inland owner-occupied homeowners cover in the Dallas and Fort Worth suburbs, a weak market

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

Working with Aulona Insurance Group from Denton

Denton is flood-program community 480194C, its first flood map took effect on August 1, 1979, and the current map dates from June 19, 2020. A student rental built before that 1979 map is a pre-FIRM structure, which is the question a Denton flood application opens with.

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 Denton callback number on the contact page.
2. Luka Cenaj calls back on a recorded line and goes through the vehicles, the Denton property and the business, where there is one.
3. Aulona Insurance Group submits the Denton file only to the insurers it holds appointments with.