Insurance Agency in Round Rock, Texas

Auto, home and business, one Round Rock agent

Aulona Insurance Group places auto, home and business coverage for Round Rock, in Texas only, shopping each risk among the insurers it holds appointments with rather than working for a single company.

For a Round Rock household, the useful part is that auto, home and business do not have to sit with the same insurer to sit with the same agent. The vehicles in the driveway, the house, and the business a household runs out of it all come up on one call.

Aulona Insurance Group works from one office, in Plano, under Agency License #3481412, and serves Round Rock by phone. No visit to Round Rock or to Plano is part of placing coverage. A Round Rock file reaches a quote through one route, a recorded call with Luka Cenaj, held in English or in Albanian.

Auto insurance in Round Rock

Auto insurance for a Round Rock driver rates on Williamson County in nearly every case, because the City of Round Rock lies in Williamson County with a small part of its limits reaching into Travis County.

Texas Transportation Code §601.072 fixes the liability minimum 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

Two coverages stay optional and must be refused in writing: personal injury protection (Texas Insurance Code §1952.152) and uninsured and underinsured motorist coverage (Texas Insurance Code §1952.101).

Home insurance in Round Rock

Home insurance in Round Rock answers two separate Central Texas problems, and a homeowners policy on its own answers only the first.

Hail and wind come to the homeowners form directly. The National Weather Service Austin/San Antonio forecast office issues severe thunderstorm and hail warnings for Williamson County, and the windstorm and hail deductible is frequently a percentage of the dwelling limit rather than a flat amount.

Flash flooding does not. A Texas homeowners policy excludes rising water, so the coverage that answers Brushy Creek running high after a spring storm is a separate National Flood Insurance Program policy through FEMA, which takes 30 days to come into force.

Dwelling fire, condo, renters, landlord DP-1 and DP-3, NFIP flood and personal umbrella coverage above the home and auto liability limits are the Round Rock property forms Aulona Insurance Group places.

Business insurance in Round Rock

Business insurance for a Round Rock company runs through a small-business program, and its eligibility band is narrow enough to state up front.

The program accepts a business with:

• 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

Loss history closes the band in Round Rock: under $20,000, no more than two incidents in three years, and no earlier carrier cancellation or bankruptcy.

New businesses are accepted with no minimum time in business. Multiple locations are fine, each location needs its own business owners policy, and a BOP caps at $5 million of total insured value.

Restaurants, coffee shops and caterers are the classes that place most readily, with professional services, fitness studios, retail, personal care, technology services and real estate close behind.

Where Aulona Insurance Group is not the right fit

A Round Rock caller runs into one of two limits more often than any other.

• Roofing and siding, with no market on the agency’s package lines
• A business past $5 million in annual revenue or in W-2 payroll

The agency page holds the full personal and business declination list behind these Round Rock examples. Life, health, Medicare and disability stay outside what a Round Rock file can hold.

Working with Aulona Insurance Group from Round Rock

Round Rock is one flood-program community, number 481048B, sitting in both Williamson and Travis County, on a flood map effective December 20, 2019. The county a Round Rock address rates in is confirmed from the lot on the call, because the two counties are separate territories.

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