Insurance Agency in El Paso, Texas
Auto, home and business coverage for El Paso, quoted by phone. El Paso County rating and desert wind. The pre-FIRM question starts at the 1982 map.
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 page7 sections
Auto, home and small commercial for El Paso
Aulona Insurance Group places personal auto, home and small commercial coverage for El Paso County, on the same Texas license it uses in Collin County.
El Paso is the county seat of El Paso County, and one county holds the whole city, so the territory question on an El Paso application is settled by the city itself. An El Paso home policy answers wind and blowing dust rather than hurricane or ice.
Service is by phone from the one office, in Plano, and no visit to El Paso or to Plano is part of placing coverage. Quoting and binding on an El Paso risk both wait for the recorded call with Luka Cenaj, in English or Albanian. Aulona Insurance Group works under Texas Agency License #3481412 and NPN 22184980, and only the insurers behind an appointment reach a quote.
Auto insurance in El Paso
Auto insurance in El Paso starts at the Texas liability floor of 30/60/25 (Texas Transportation Code §601.072), and the address the vehicle is garaged at sets the rating territory above it.
El Paso is the county seat of El Paso County. One county holds the whole city, so the territory question on an El Paso application is settled by the street address alone.
Two coverages matter more here than the minimum does:
- Uninsured and underinsured motorist coverage, which every insurer has to offer and a driver can refuse only in writing (Texas Insurance Code §1952.101). A hit-and-run with no plate number is an uninsured motorist claim
- Mexican liability coverage, bought separately, because the Texas Department of Insurance consumer auto guide says a Texas policy generally does not cover a crash in Mexico
Home insurance in El Paso
Home insurance in El Paso answers wind and dust rather than hurricane or ice. The National Weather Service El Paso forecast office issues the high wind warnings, blowing dust advisories and dust storm warnings that cover El Paso County.
What that means on a policy:
- Wind damage to a roof, a fence or a wall sits on the homeowners, dwelling fire or landlord form, under its own windstorm and hail deductible
- Flood stays separate through the National Flood Insurance Program, with a 30-day waiting period on a new policy and FEMA flood maps setting the zone
- El Paso County is not coastal, so the Texas Windstorm Insurance Association does not apply at all
Aulona Insurance Group places dwelling fire, condo, renters, landlord DP-1 and DP-3, flood, and personal umbrella coverage above the home and auto liability limits.
Business insurance in El Paso
An El Paso 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. Aulona Insurance Group holds markets for each of those.
Retail, personal care, food and beverage, professional services, fitness and wellness, pet services and education are the classes that place most readily. Construction trades and auto service shops place with more underwriting questions attached.
The program stops at hard 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
Past size, a El Paso file needs losses under $20,000, two incidents at most in three years, and a clean record on cancellation and bankruptcy.
Where Aulona Insurance Group is not the right fit
The El Paso no-fit list is short, and two entries cover most of the calls.
- Night clubs, with no market on the agency’s package lines
- Used-goods dealers, with no market on the agency’s package lines
The complete list is on the agency page rather than repeated under every city, El Paso included. Nothing in life, health, Medicare or disability is written for El Paso, and that is said up front.
What moves the price of an El Paso policy
An El Paso premium comes from the insurer’s filed rates, and Aulona Insurance Group neither sets one nor shows one.
El Paso County is the territory unit for an El Paso vehicle, and the garaging address places it there alongside the driving record and the annual miles.
Desert wind is the property variable. Roof age, roof material and wall construction are what a wind claim is read against, under the windstorm and hail deductible printed on the form. A commercial file turns on class code, payroll, revenue and the loss runs behind it.
Working with Aulona Insurance Group from El Paso
El Paso entered the flood program as community 480214 and its current flood map dates from February 16, 2006, with the first map issued on October 15, 1982. An El Paso structure built before that first map is a pre-FIRM building, which is a question a flood application asks directly.
- Answer the eight questions on the quote form, about two minutes, ending with a one-time code texted to your mobile, or leave an El Paso number on the contact page.
- Take the recorded call from Luka Cenaj, who works through the drivers, the El Paso address and the operation behind it.
- Leave the El Paso risk with Aulona Insurance Group to place with 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.
