Insurance Agency in Laredo, Texas
Auto, home and business coverage for Laredo, quoted by phone. Webb County rating and uninsured motorist coverage. The flood map dates from 2008.
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 page6 sections
Auto, property and business on a Laredo address
Aulona Insurance Group places auto, property and business coverage on a Laredo address, quoted from the markets the agency is appointed with:
- Personal auto on standard and non-standard paper, including SR-22 filings
- Property coverage for renters, condo owners, landlords and dwelling fire risks
- Business coverage for an owner-operated Webb County company inside the eligibility band
Laredo sits in Webb County alone, and Texas Insurance Code §1952.101 makes every insurer offer uninsured and underinsured motorist coverage, which a Laredo driver gives up only in writing.
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 Laredo quote and before anything is bound.
Auto insurance in Laredo
Auto insurance in Laredo rates on Webb County, the county Laredo is the seat of and the only county the city sits in.
Texas Transportation Code §601.072 fixes the liability floor at 30/60/25, and Texas Insurance Code §1952.101 makes every insurer offer uninsured and underinsured motorist coverage, which a driver gives up only in writing. That coverage is the one to weigh hardest in a border city.
A Texas policy also stops at the bridge. The Texas Department of Insurance tells drivers that Texas coverage does not follow a vehicle into Mexico, and Aulona Insurance Group does not place Mexican auto insurance, which is bought separately.
Home insurance in Laredo
Home insurance in Laredo sits inland, far from the first-tier coastal counties the Texas Windstorm Insurance Association covers under Texas Insurance Code ch. 2210. Wind and hail stay on the Laredo homeowners policy, and no separate windstorm policy applies in Webb County.
On the property side, a Laredo address can be written for:
- Renters and condo policies
- Dwelling fire
- Landlord DP-1 and DP-3 on a rented Laredo 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
FEMA flood maps, not the last storm, decide whether a Laredo address needs that flood policy. A homeowners policy does not pay for rising water anywhere in Texas.
Business insurance in Laredo
Business insurance in Laredo runs through a small-business program with hard eligibility limits, and a Laredo owner is better off checking them before anything else.
The band:
- 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, with no minimum time in business
The loss side counts too: under $20,000 in losses on a Laredo account, no more than two incidents in three years, and no prior cancellation or bankruptcy.
Restaurants, bakeries, caterers, professional services firms, retail, personal care and pet services are the classes that place most readily. Commercial auto is available for an operator with two or three vehicles, and it is a separate appetite from the package rather than part of it.
Where Aulona Insurance Group is not the right fit
Aulona Insurance Group says no in writing to Laredo risks, and these two account for most of it.
- Gas stations, with no market on the agency’s package lines
- Used-goods dealers, 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 Laredo page carries only what comes up here. Life, health, Medicare and disability are not part of what the agency writes in Laredo.
Working with Aulona Insurance Group from Laredo
Laredo joined the flood program as community 480651, its first flood map took effect on May 17, 1982, and the map in force now dates from April 2, 2008. A Laredo building older than that 1982 map is pre-FIRM, and a flood application asks for the construction date before anything else.
- Answer the eight questions on the quote form, about two minutes, ending with a one-time code texted to your mobile, or leave a Laredo number on the contact page.
- Take the recorded call from Luka Cenaj, who works through the drivers, the Laredo address and the operation behind it.
- Leave the Laredo 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.
