Insurance Agency in League City, Texas
League City drivers, homeowners and business owners are quoted by phone. Galveston County TWIA wind and NFIP flood. Only the Galveston side reaches TWIA.
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, home, wind and flood for League City
Aulona Insurance Group places auto, home, windstorm-exposed property and flood coverage for League City, alongside business insurance, with one licensed agent on the whole set.
League City sits mostly in Galveston County, with a small northern portion inside Harris County, and Galveston County is one of the first-tier coastal counties inside the Texas Windstorm Insurance Association catastrophe area (Texas Insurance Code ch. 2210). Wind, flood and the homeowners policy are three separate decisions on a League City address.
Service is by phone from the one office, in Plano, and no visit to League City or to Plano is part of placing coverage. Nothing on a League City risk is quoted or bound until the recorded call with Luka Cenaj, in English or Albanian, has happened.
Auto insurance in League City
Auto insurance in League City rates on the county the vehicle is garaged in, and League City sits mostly in Galveston County with a small northern portion inside Harris County.
Texas Transportation Code §601.072 sets the liability floor for every League City driver 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
Personal injury protection and uninsured motorist coverage both have to be offered, and dropping either takes a signed written rejection (Texas Insurance Code §1952.152 and §1952.101). A car flooded by a named storm is a comprehensive claim, not a collision claim.
Home insurance in League City
Home insurance in League City is three policies more often than one, because Galveston County is one of the fourteen first-tier coastal counties where the Texas Windstorm Insurance Association writes windstorm and hail (Texas Insurance Code ch. 2210).
The three pieces a Clear Lake homeowner usually ends up holding:
- A homeowners policy for fire, theft, liability and the rest
- Windstorm and hail, through TWIA where the standard policy excludes it
- Flood, through the National Flood Insurance Program, which carries a thirty-day wait on a new policy
The National Weather Service Houston/Galveston office issues the hurricane and tropical storm warnings for Galveston County, and NFIP coverage bought after a storm is named does nothing, because the thirty-day wait has not run.
Aulona Insurance Group places coastal homeowners and dwelling coverage in the Tier 1 and Tier 2 coastal counties, with windstorm through the Texas Windstorm Insurance Association inside the designated catastrophe area and flood through the National Flood Insurance Program.
Business insurance in League City
Aulona Insurance Group places business insurance for League City owner-operated companies: business owners policy, general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto.
The small-business program runs on hard eligibility 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
- One business owners policy per location, capped at $5 million of total insured value
A League City owner also has to be under $20,000 in losses, inside two incidents in three years, and clear of any prior cancellation or bankruptcy filing.
Restaurants, coffee shops, professional practices, fitness studios, salons, retail and the technology and engineering services clustered around Clear Lake and the NASA Johnson Space Center are the classes that place most readily. New businesses are accepted with no minimum time in business.
Where Aulona Insurance Group is not the right fit
Two declinations do most of the work in League City, and both are said before an application goes out.
- An engineering or technology firm past $5 million in W-2 payroll, a limit the cluster here reaches
- A coastal home risk that has to go to the specialty market, in English surplus lines
The full declination list, personal and business, sits on the Aulona Insurance Group agency page and applies in League City unchanged. A League City request for life, health, Medicare or disability cover is declined on the call.
Working with Aulona Insurance Group from League City
League City straddles Galveston and Harris County on one flood-program number, 485488A, and only Galveston is a first-tier coastal county inside the designated windstorm area. The street address therefore decides whether wind and hail can reach the Texas Windstorm Insurance Association at all.
- Work through the quote form’s eight questions, about two minutes, ending with the one-time code texted to your mobile; a League City caller can use the contact page instead.
- Answer the recorded callback from Luka Cenaj, who goes through the drivers, the League City property and any commercial exposure.
- Let Aulona Insurance Group carry the League City risk to 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.
