Insurance Agency in New Braunfels, Texas
New Braunfels auto, home and business coverage, quoted by phone by a licensed agent. Comal and Guadalupe County rating. Comal or Guadalupe, from the lot.
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
Vehicles, house and business on one call
Aulona Insurance Group places auto, home, flood and business coverage for New Braunfels, and takes each risk to whichever appointed insurer will write it, instead of fitting the household to one company’s product.
Most New Braunfels households arrive with three things to sort out at once: the vehicles, the house, and, for the families who own the business they work in, the business too.
Aulona Insurance Group takes all three to the markets it holds on a single call with Luka Cenaj, the agency’s licensed principal.
Aulona Insurance Group works from one office, in Plano, under Texas Agency License #3481412 and NPN 22184980, and serves New Braunfels by phone. No visit to New Braunfels or to Plano is part of placing coverage. Quoting and binding on a New Braunfels risk both wait for the recorded call with Luka Cenaj, in English or Albanian.
Auto insurance in New Braunfels
Auto insurance in New Braunfels rates on the county a vehicle is garaged in, and New Braunfels sits in two of them. The city is the seat of Comal County and crosses the line into Guadalupe County.
A New Braunfels application asks for the garaging address, which places the vehicle in a county and a rating territory.
Texas Transportation Code §601.072 fixes the floor for a New Braunfels driver at 30/60/25: $30,000 for one injured person, $60,000 for one accident, $25,000 for property damage.
I-35 runs Austin and San Antonio traffic through the middle of town, and that commute belongs on the application.
Home insurance in New Braunfels
Home insurance in New Braunfels answers two perils that arrive from opposite directions. Hail comes down, and the rivers come up.
The National Weather Service Austin/San Antonio forecast office issues the severe thunderstorm and hail warnings for Comal County. Hail damage to a roof is a dwelling claim on a homeowners policy, paid after the separate wind and hail deductible on the declarations page.
The Comal and the Guadalupe both run through the city, and flash flooding on either is excluded by every homeowners policy written in Texas. Flood is a separate National Flood Insurance Program policy through FEMA, and a new NFIP policy sits through a 30-day wait before it answers anything.
Aulona Insurance Group places flood, dwelling fire, condo, renters, and landlord DP-1 and DP-3.
Business insurance in New Braunfels
Business insurance is one of the lines Aulona Insurance Group places for New Braunfels, and the appetite is written down rather than guessed at.
The agency places a business owners policy, general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto inside a hard eligibility 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
Past size, a New Braunfels file needs losses under $20,000, two incidents at most in three years, and a clean record on cancellation and bankruptcy.
Restaurants, bakeries and coffee shops are the classes that place most readily, then professional services, personal care, retail and fitness studios. Workers compensation is 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 New Braunfels no-fit list is short, and two entries cover most of the calls.
- Night clubs, which a river tourism season produces, with no market on the agency’s package lines
- Roofing and siding, with no market on the agency’s package lines
The complete list is on the agency page rather than repeated under every city, New Braunfels included. Nothing in life, health, Medicare or disability is written for New Braunfels, and that is said up front.
Working with Aulona Insurance Group from New Braunfels
New Braunfels is a single flood-program community, number 485493C, in both Comal and Guadalupe County, on a flood map effective May 8, 2024. One New Braunfels street can rate against Comal County and the next against Guadalupe County, and the lot is what settles it.
- Fill in the eight quote-form questions from New Braunfels, about two minutes, and confirm the one-time code texted to your mobile; the contact page takes a number instead.
- Expect the recorded callback from Luka Cenaj, who covers the vehicles, the property in New Braunfels and anything commercial.
- The New Braunfels submission goes to the insurers Aulona Insurance Group holds appointments with, and no further.
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.
