Insurance Agency in Tyler, Texas

Auto, home, flood and business across Smith County

Aulona Insurance Group places auto, home, flood and business coverage across Smith County, deciding file by file which of its appointed insurers to take a risk to.

Tyler sits in the East Texas pine belt, outside the Dallas metroplex and outside the coastal windstorm area, so a Smith County policy answers a set of perils that neither a DFW form nor a coastal one is built around.

Aulona Insurance Group works from one office, in Plano, and serves Tyler by phone. No visit to Tyler or to Plano is part of placing coverage. Quoting and binding on a Tyler risk both wait for the recorded call with Luka Cenaj, in English or Albanian.

Auto insurance in Tyler

Auto insurance in Tyler rates on Smith County, the county Tyler is the seat of.

Texas Transportation Code §601.072 sets the liability floor for a Tyler driver 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

Personal injury protection and uninsured motorist coverage both have to be offered, and dropping either takes a signed written rejection (Texas Insurance Code §1952.152 and §1952.101). A pine limb through the windshield is a comprehensive claim, not a collision claim.

Home insurance in Tyler

Home insurance in Tyler answers two perils at once: hail on the roof and wind through the pines. The National Weather Service Shreveport forecast office, not Fort Worth, issues the severe thunderstorm and tornado warnings for Smith County.

What a Tyler homeowners policy turns on:

• The wind and hail deductible, which is often a percentage of the dwelling limit
• Whether the roof settles at replacement cost or at actual cash value
• Fallen-tree coverage, which pays for damage to the house and only limited removal of the tree itself
• Flood, which sits outside the policy entirely and comes from the National Flood Insurance Program with a thirty-day wait

Smith County is inland, so the Texas Windstorm Insurance Association does not write there and wind stays on the homeowners policy.

Business insurance in Tyler

Aulona Insurance Group places business insurance for Tyler companies: business owners policy, general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto.

The classes that place most readily are restaurants and coffee shops, professional practices in law, accounting and consulting, fitness studios, personal care, retail and real estate. Construction trades are workable, and liability plus umbrella usually beats a package there.

The small-business program runs on hard eligibility limits:

• 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
• One business owners policy per location, capped at $5 million of total insured value

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

New businesses are accepted, with no minimum time in business.

Where Aulona Insurance Group is not the right fit

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

• Hospitals and physician practices, which the medical district here produces year round, 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, Tyler included. Nothing in life, health, Medicare or disability is written for Tyler, and that is said up front.

Working with Aulona Insurance Group from Tyler

The Smith County Appraisal District publishes the year built and the improvement detail on a Tyler property, so an owner can have the roof year to hand before the call. A roof year that matches the district record is one less item for the underwriter to chase.

1. Answer the eight questions on the quote form, about two minutes, ending with a one-time code texted to your mobile, or leave a Tyler number on the contact page.
2. Take the recorded call from Luka Cenaj, who works through the drivers, the Tyler address and the operation behind it.
3. Leave the Tyler risk with Aulona Insurance Group to place with the insurers it holds appointments with.