Insurance Agency in Temple, Texas

Three policies a Temple household buys together

Aulona Insurance Group places auto, home and small commercial coverage for Temple, taking each client’s risk to whichever appointed insurer will write it.

A Temple household is usually buying three things that an agent should be able to handle together: auto for the household drivers, a homeowners or renters policy, and, where one person in the house works for themselves alongside a salaried spouse, a small commercial policy.

Aulona Insurance Group puts all three in front of the markets it holds through 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 Temple by phone. No visit to Temple or to Plano is part of placing coverage. Quoting and binding on a Temple risk both wait for the recorded call with Luka Cenaj, in English or Albanian.

Auto insurance in Temple

Auto insurance in Temple rates on Bell County. The county covers the whole city, so the address where the vehicle is kept, not the mailing address, sets the territory.

A Temple application asks for the garaging address, which places the vehicle in a county and a rating territory.

Texas Transportation Code §601.072 sets the Temple floor at 30/60/25: $30,000 for one injured person, $60,000 for one accident, $25,000 for property damage.

I-35 splits the city, and a Temple driver who commutes on it daily is running interstate miles rather than town miles. Personal injury protection pays medical bills regardless of fault and has to be offered in writing under Texas Insurance Code §1952.152.

Home insurance in Temple

Home insurance in Temple is a hail policy that also covers fire. The National Weather Service Fort Worth/Dallas forecast office issues the severe thunderstorm and hail warnings covering Bell County, and hail is the peril that puts most Central Texas roofs into a claim file.

A hail claim is paid under dwelling coverage after the separate wind and hail deductible on the declarations page, which is commonly a percentage of the dwelling limit. Roof age changes the settlement too, because an older roof can be settled at actual cash value rather than replacement cost.

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 National Flood Insurance Program flood policies through FEMA.

Business insurance in Temple

Business insurance in Temple starts with a limit rather than a pitch. Aulona Insurance Group has no market for hospitals or physician practices on the agency’s package lines, so a medical employer is in the wrong place here.

The agency writes a business owners policy, general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto for restaurants and coffee shops, accountants and consultants, cleaning and janitorial contractors, personal care, retail, fitness studios and the building trades, inside a fixed band:

• Annual gross revenue under $5 million, and total W-2 payroll under $5 million
• Workers compensation runs through its own market, outside the figures above

Past size, a Temple file needs losses under $20,000, two incidents at most in three years, and a clean record on cancellation and bankruptcy.

Workers compensation is optional for most private Texas employers (Texas Labor Code §406.002).

Where Aulona Insurance Group is not the right fit

The Temple no-fit list is short, and two entries cover most of the calls.

• Hospitals and physician practices, which the medical campuses here produce, 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, Temple included. Nothing in life, health, Medicare or disability is written for Temple, and that is said up front.

Working with Aulona Insurance Group from Temple

Temple is flood-program community 480034, its first flood map took effect on January 19, 1983, and the current map dates from September 26, 2008. A Temple building older than that first map is pre-FIRM, which is the question a flood application settles at the start.

1. Start on the quote form, eight questions and roughly two minutes, finishing with the one-time code texted to your mobile, or leave a Temple callback number on the contact page.
2. Luka Cenaj calls back on a recorded line and goes through the vehicles, the Temple property and the business, where there is one.
3. Aulona Insurance Group submits the Temple file only to the insurers it holds appointments with.