Insurance Agency in Irving, Texas

Business, auto and property for Irving

Aulona Insurance Group covers the same Irving client across three lines, each from the insurers it represents:

• Business coverage for an owner-operated company inside the small-business eligibility band
• Personal auto for the owners and the household, standard and non-standard, SR-22 filings included
• Property coverage for renters, condo owners, landlords and dwelling fire risks

Irving sits wholly inside Dallas County, so the rating county is settled before the first question, and the garaging address moves the territory only within the county.

Service is by phone from the one office, in Plano, and no visit to Irving or to Plano is part of placing coverage. Quoting and binding on an Irving risk both wait for the recorded call with Luka Cenaj, in English or Albanian.

Auto insurance in Irving

Auto insurance in Irving rates on Dallas County, which the whole city sits inside.

Texas Transportation Code §601.072 sets the Irving liability floor at 30/60/25, which is $30,000 for injury to one person, $60,000 for injuries in one accident, and $25,000 for property damage.

Irving driving is airport and commute driving. Dallas/Fort Worth International Airport runs along the city’s western edge, and the miles an Irving vehicle covers on that commute are part of what an insurer rates. Hail is the other exposure, warned on for Dallas County by the National Weather Service Fort Worth/Dallas forecast office, and answered by comprehensive coverage, subject to its deductible.

Home insurance in Irving

Home insurance in Irving opens with a limit rather than a pitch. 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.

The rest of Irving property is solid ground:

• Renters and condo policies, including the high-density blocks around Las Colinas
• Dwelling fire
• Landlord DP-1 and DP-3 on a rented Irving house
• Personal umbrella coverage above the home and auto liability limits
• Flood through the National Flood Insurance Program, which waits 30 days before a new policy takes effect

An Irving owner should ask what the wind and hail deductible is before asking anything else about a spring storm.

Business insurance in Irving

Business insurance in Irving runs through the agency’s small-business program, which is sized for the independent operator rather than the corporate tenant.

The eligibility limits are hard:

• 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
• Multiple locations are fine, and each one needs its own business owners policy, which caps at $5 million of total insured value

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

Restaurants and caterers, professional services firms, fitness studios, retail, personal care, technology services and real estate offices are the classes that place most readily. Workers compensation stays optional for most private Texas employers (Texas Labor Code §406.002), and a non-subscriber files with the Texas Department of Insurance, Division of Workers’ Compensation.

Where Aulona Insurance Group is not the right fit

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

• A vehicle used for business, or titled to an LLC, corporation, partnership or trust, which is not written on a personal auto policy
• Preferred inland owner-occupied homeowners cover in the Dallas suburbs, a weak market for the agency

Aulona Insurance Group places a business-use or entity-titled vehicle as commercial auto instead. See Commercial Auto Insurance in Texas. The complete list is on the agency page rather than repeated under every city, Irving included. Nothing in life, health, Medicare or disability is written for Irving, and that is said up front.

Working with Aulona Insurance Group from Irving

The Dallas Central Appraisal District record carries the year built and the square footage on an Irving house, and a property file opens on those two figures. Giving them as the district has them recorded keeps the roof-age conversation short.

1. Fill in the eight quote-form questions from Irving, about two minutes, and confirm the one-time code texted to your mobile; the contact page takes a number instead.
2. Expect the recorded callback from Luka Cenaj, who covers the vehicles, the property in Irving and anything commercial.
3. The Irving submission goes to the insurers Aulona Insurance Group holds appointments with, and no further.