Insurance Agency in Pasadena, Texas
Pasadena drivers, homeowners and business owners are quoted by phone. Harris County rating; TWIA only east of Highway 146. Harris CAD holds the year built.
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 and business on one Pasadena file
Aulona Insurance Group places auto, home and business coverage for Pasadena households and owners, placing each risk with whichever appointed insurer will take it rather than with a single company.
A Pasadena family gets three things out of that:
- One agent for the vehicles, the house and any business, instead of three
- Standard and non-standard personal auto, including a driver carrying a ticket, an at-fault accident, a lapse or an SR-22 requirement
- The agency’s cannot-place list in writing, further down this page
Aulona Insurance Group works from one office, in Plano, under Texas Agency License #3481412, and serves Pasadena by phone. No visit to Pasadena or to Plano is part of placing coverage. Coverage on a Pasadena address is quoted and bound only after a recorded call with Luka Cenaj, in English or Albanian.
Auto insurance in Pasadena
Pasadena sits in Harris County. Harris is one rating county for auto, and the address where the vehicle is kept places it inside that county.
Texas Transportation Code §601.072 puts the Pasadena liability floor 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
Street flooding is the Pasadena claim that catches drivers out. The National Weather Service Houston/Galveston forecast office issues the flash flood warnings for Harris County, and a flooded vehicle is settled under comprehensive coverage, never under liability and never under a National Flood Insurance Program policy, which does not cover cars.
Home insurance in Pasadena
Home insurance in Pasadena splits wind from water, and the split has a line on the map. The Texas Windstorm Insurance Association writes five Harris County cities where the address sits inside the city limits and east of State Highway 146, and Pasadena is one of them, so a Pasadena address east of 146 can carry wind and hail on a separate TWIA policy while an address west of 146 keeps the peril on the homeowners form.
Water is the separate policy. The National Weather Service Houston/Galveston forecast office warns Harris County for tropical systems and flash flooding, and flood coverage comes from the National Flood Insurance Program, with 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 Pasadena addresses.
Business insurance in Pasadena
Business insurance in Pasadena has to fit a small-business program with hard limits, and the band is the first thing to check:
- 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
On top of size, a Pasadena account needs losses under $20,000, at most two incidents in three years, and no prior carrier cancellation or bankruptcy filing.
Aulona Insurance Group writes general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto alongside that package. Along the Houston Ship Channel, the contractor trades are the common Pasadena risk: electricians, plumbers, HVAC, concrete and landscaping are workable, usually as liability and umbrella rather than a package.
Where Aulona Insurance Group is not the right fit
Some Pasadena risks get a no on the first call, and these two come up more than the rest.
- Roofing and siding, which the Ship Channel contractor trades produce, with no market on the agency’s package lines
- Gas stations and towing operators, with no market on the agency’s package lines
A Pasadena caller who wants the whole list before dialing will find it on the agency page. No Pasadena caller is written for life, health, Medicare or disability.
Working with Aulona Insurance Group from Pasadena
The Harris Central Appraisal District appraises every Pasadena property and publishes the year built with it, which is the figure a property underwriter reads before the roof-age question. An application that matches the district record saves a round of questions.
- 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 Pasadena address on the contact page.
- Take the recorded callback from Luka Cenaj, who goes through the vehicles, the Pasadena property and any business.
- Aulona Insurance Group then takes the Pasadena 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.
