Insurance Agency in San Antonio, Texas

Auto, home and small commercial for San Antonio

Aulona Insurance Group places personal auto, home and small commercial coverage for San Antonio, in Texas only, moving each risk to whichever appointed insurer has appetite for it rather than to one company.

A San Antonio household usually has more than one thing to insure at once, so the vehicles, the house in Bexar County and a side business run through one licensed agent.

Military families arriving on or leaving Joint Base San Antonio orders fit the same process.

Aulona Insurance Group works from one office, in Plano, under Texas Agency License #3481412 and agency NPN 22184980, and serves San Antonio by phone. No visit to San Antonio or to Plano is part of placing coverage. Coverage on a San Antonio address is quoted and bound only after a recorded call with Luka Cenaj, in English or Albanian.

Auto insurance in San Antonio

Auto insurance in San Antonio is a Texas personal auto policy priced on the address where the vehicle sits overnight, starting at the 30/60/25 liability floor in Texas Transportation Code §601.072.

San Antonio is the county seat of Bexar County, and the city limits also reach into Comal County and Medina County, per the City of San Antonio.

Two coverages have to be offered on every San Antonio policy and can only be turned down in writing:

• Personal injury protection (PIP), which pays medical bills and lost wages regardless of fault (Texas Insurance Code §1952.152)
• Uninsured and underinsured motorist coverage, for the driver with nothing behind them (Texas Insurance Code §1952.101)

Home insurance in San Antonio

Home insurance in San Antonio is a hail conversation before it is anything else. The National Weather Service Austin/San Antonio forecast office issues the severe thunderstorm and hail warnings that cover Bexar County, and roofs are what those storms take.

Three things decide how a San Antonio hail claim settles:

• The windstorm and hail deductible, which a Texas homeowners policy often sets separately from the all-other-perils deductible
• Whether the roof settles at replacement cost or at actual cash value, a difference the Texas Department of Insurance homeowners guide sets out
• Whether the risk is a homeowners form at all, or a dwelling fire, condo, renters or landlord form

Bexar County is inland, so the Texas Windstorm Insurance Association does not reach it. Flood stays separate through the National Flood Insurance Program.

Business insurance in San Antonio

Small commercial is one of the lines Aulona Insurance Group places for San Antonio, and an account there can go out on a business owners policy (BOP), general liability, commercial property, workers compensation, professional liability, umbrella and excess, or commercial auto.

Eligibility is a band, not a preference, and a San Antonio business outside it will not get a market:

• 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
• Each location carries its own BOP, capped at $5 million of total insured value

On top of size, a San Antonio account needs losses under $20,000, at most two incidents in three years, and no prior carrier cancellation or bankruptcy filing.

Restaurants, bakeries, coffee shops and caterers are classes the agency targets. Business Insurance in San Antonio, Texas covers the rest of the appetite.

Where Aulona Insurance Group is not the right fit

Some San Antonio risks get a no on the first call, and these two come up more than the rest.

• Night clubs, which the downtown and River Walk trade produces more of than most Texas cities
• Roofing and siding, with no market on the agency’s package lines

A San Antonio caller who wants the whole list before dialing will find it on the agency page. No San Antonio caller is written for life, health, Medicare or disability.

What moves the price of a San Antonio policy

A San Antonio premium comes from the insurer’s own filings with the Texas Department of Insurance, and no figure for one appears on this site.

Bexar, Comal and Medina are three territories, and the garaging address decides which one a vehicle sits in, alongside the driving record and the annual miles.

Hail is the Bexar County property variable. The windstorm and hail deductible is often set apart from the all-other-perils deductible, and roof age, roof material and the year built are read with it. The class code, the payroll, the revenue and the loss runs decide a commercial account.

Working with Aulona Insurance Group from San Antonio

The Bexar Central Appraisal District appraises every property inside San Antonio and publishes the year built and the improvement detail with it, so the roof-age question on a San Antonio homeowners file is a confirmation rather than an estimate.

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