Insurance Agency in McAllen, Texas

Auto, home and business placed for McAllen

Aulona Insurance Group places personal auto, home and business coverage for McAllen households and owners, and takes each McAllen risk only to the insurers it holds appointments with. A Texas auto policy stops at the border, so Mexican liability coverage is a separate purchase (Texas Department of Insurance consumer auto guide).

What a McAllen household gets:

• One agent handling the vehicles, the house and the business
• Standard and non-standard personal auto, including a driver carrying a ticket, an at-fault accident, a lapse or an SR-22 requirement
• A written list of what the agency cannot place, further down this page

Aulona Insurance Group works from one office, in Plano, under Texas Agency License #3481412, and serves McAllen by phone. No visit to McAllen or to Plano is part of placing coverage. Nothing on a McAllen risk is quoted or bound until the recorded call with Luka Cenaj, in English or Albanian, has happened.

Auto insurance in McAllen

McAllen is in Hidalgo County. The county covers the city, so a vehicle kept just over the county line rates somewhere else even on a McAllen mailing address.

Texas Transportation Code §601.072 fixes the McAllen liability floor at 30/60/25. Two coverages above it have to be offered and can only be dropped in writing:

• Uninsured and underinsured motorist coverage, under Texas Insurance Code §1952.101
• Personal injury protection (PIP), under Texas Insurance Code §1952.152

Crossing into Mexico is routine from McAllen, and the Texas Department of Insurance consumer auto guide states that a Texas auto policy does not cover a vehicle driven across. Mexican liability coverage is a separate purchase, bought before the crossing rather than after.

Home insurance in McAllen

Home insurance in McAllen is written inland, and that single fact decides how wind is covered. The Texas Windstorm Insurance Association serves the 14 first-tier coastal counties under Texas Insurance Code ch. 2210, and Hidalgo County is not one of them, so wind and hail on a McAllen house stay on the homeowners policy itself.

Tropical systems still reach the city. The National Weather Service Brownsville/Rio Grande Valley forecast office issues the tropical and flash flood warnings for Hidalgo County, and rising water is covered only by a National Flood Insurance Program policy, which carries a 30-day waiting period on a new policy.

Aulona Insurance Group places dwelling fire, condo and renters, landlord DP-1 and DP-3, personal umbrella coverage above the home and auto liability limits, and NFIP flood for McAllen addresses.

Business insurance in McAllen

Business insurance in McAllen has to land inside a small-business program with fixed 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
• New businesses accepted, and each location needs its own business owners policy

A McAllen 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.

Aulona Insurance Group places the business owners policy, general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto. Restaurants, retail, personal care, accounting and legal practices, and fitness studios are the classes that place most readily.

Where Aulona Insurance Group is not the right fit

Two declinations do most of the work in McAllen, and both are said before an application goes out.

• Used-goods dealers, with no market on the agency’s package lines
• Gas stations, with no market on the agency’s package lines

The full declination list, personal and business, sits on the Aulona Insurance Group agency page and applies in McAllen unchanged. A McAllen request for life, health, Medicare or disability cover is declined on the call.

Working with Aulona Insurance Group from McAllen

McAllen is flood-program community 480343, its first flood map took effect on June 15, 1981, and the map still in force dates from November 2, 1982. That makes the construction date the first thing a McAllen flood application settles.

1. Fill in the eight quote-form questions from McAllen, 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 McAllen and anything commercial.
3. The McAllen submission goes to the insurers Aulona Insurance Group holds appointments with, and no further.