Insurance Agency in Lewisville, Texas

Auto, home, flood and business for Lewisville

Aulona Insurance Group places auto, home, flood and business coverage for Lewisville and the rest of Denton County, including the files that need more than one door: auto with a ticket on it, a rental house, a small business with two vans, a driver who needs an SR-22.

Lewisville rates on Denton County, and the southern edge of the city reaches Dallas County, so the address where a vehicle is kept decides which of the two rates the policy.

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 Lewisville quote and before anything is bound.

Auto insurance in Lewisville

Auto insurance in Lewisville rates on Denton County. The southern edge of the city reaches Dallas County, and the address where the vehicle is kept decides which of the two rates the policy.

Texas Transportation Code §601.072 puts the liability floor for a Lewisville 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 stay optional, and each takes a signed written rejection (Texas Insurance Code §1952.152 and §1952.101). Hail on the paint is a comprehensive claim, not a collision claim.

Home insurance in Lewisville

Home insurance in Lewisville is mostly a hail question. The National Weather Service Fort Worth/Dallas forecast office issues the severe thunderstorm and hail warnings for Denton County.

Two policy terms decide what a Lewisville hail claim pays:

• The wind and hail deductible, often a percentage of the dwelling limit rather than a flat dollar amount
• Whether the roof settles at replacement cost or at actual cash value, which usually turns on its age

Flood sits outside every homeowners policy and comes from the National Flood Insurance Program with a thirty-day wait, which matters for lower-lying property near Lewisville Lake.

Preferred inland owner-occupied homeowners cover in the Dallas and Fort Worth suburbs is a weak market here, and the agency states that before an application is taken.

Business insurance in Lewisville

Lewisville commercial work runs through a business owners policy, general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto at Aulona Insurance Group.

Workers compensation is optional for most private Texas employers (Texas Labor Code §406.002), and a non-subscriber has to file with the Texas Department of Insurance, Division of Workers’ Compensation.

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

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

Restaurants, professional practices, salons, fitness studios, retail and the trades working the I-35E corridor are the classes that place most readily.

Where Aulona Insurance Group is not the right fit

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

• Preferred inland owner-occupied homeowners cover in the Dallas and Fort Worth suburbs, a weak market stated up front
• Roofing and siding, which the trades along the I-35E corridor produce, 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 Lewisville page carries only what comes up here. Life, health, Medicare and disability are not part of what the agency writes in Lewisville.

Working with Aulona Insurance Group from Lewisville

Lewisville’s flood-program community number, 480195, is recorded against both Denton and Dallas County, on a flood map effective July 7, 2014. The rating county on a Lewisville auto policy comes from the garaging address, so two neighbors can sit in two territories.

1. Give the quote form its eight answers, about two minutes, then confirm the one-time code texted to your mobile, or leave a number and a Lewisville address on the contact page.
2. Take the recorded callback from Luka Cenaj, who goes through the vehicles, the Lewisville property and any business.
3. Aulona Insurance Group then takes the Lewisville risk to the insurers it holds appointments with.