Insurance Agency in Waco, Texas

One conversation for Waco cars, house and business

Aulona Insurance Group places auto, home and business coverage for Waco, in Texas only, carrying each client’s risk to whichever appointed insurer will take it rather than to a single company.

For a Waco household, that means:

• The vehicles, the house and any business handled in one conversation
• Standard and non-standard personal auto, including a driver carrying a ticket, an at-fault accident, a lapse or an SR-22 requirement
• A published list of the risks the agency cannot place, further down this page

Aulona Insurance Group works from one office, in Plano, under Texas Agency License #3481412, and serves Waco by phone. No visit to Waco or to Plano is part of placing coverage. Quoting and binding on a Waco risk both wait for the recorded call with Luka Cenaj, in English or Albanian.

Auto insurance in Waco

Waco is the seat of McLennan County. A Waco address rates as a McLennan County address on auto and on property, and the overnight parking spot fixes the territory.

Texas Transportation Code §601.072 sets the Waco 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

I-35 runs straight through the middle of Waco, mixing long-haul traffic between Dallas-Fort Worth and Austin with the city’s own commuters. Uninsured and underinsured motorist coverage answers the driver who causes a crash with nothing behind them, and Texas Insurance Code §1952.101 makes it an offer the policyholder has to refuse in writing.

Home insurance in Waco

Home insurance in Waco is written against hail and against wind that arrives fast. The National Weather Service Fort Worth/Dallas forecast office issues the severe thunderstorm, hail and tornado warnings for McLennan County, and NOAA’s Storm Events Database logs each of those reports by county.

Two coverages carry that exposure. Wind and hail stay on the homeowners or dwelling fire policy, since the Texas Windstorm Insurance Association writes only the 14 first-tier coastal counties under Texas Insurance Code ch. 2210. Rising water off the Brazos River is a separate National Flood Insurance Program policy with a 30-day waiting period.

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.

Business insurance in Waco

Business insurance in Waco runs through a small-business program with hard eligibility limits, and a Waco owner should check the band before anything else:

• 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

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

Aulona Insurance Group writes the business owners policy, general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto. Around Baylor University and the downtown blocks, restaurants, coffee shops, retail, personal care, fitness studios and marketing practices are the classes that place most readily.

Where Aulona Insurance Group is not the right fit

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

• Night clubs and bars, which the blocks around the campus 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, Waco included. Nothing in life, health, Medicare or disability is written for Waco, and that is said up front.

Working with Aulona Insurance Group from Waco

Waco is flood-program community 480461B, its first flood map took effect on November 2, 1977, and the map in force now dates from December 20, 2019. A Waco house older than that first map is a pre-FIRM building, and the flood application asks for the year built before the limit.

1. Work through the quote form’s eight questions, about two minutes, ending with the one-time code texted to your mobile; a Waco caller can use the contact page instead.
2. Answer the recorded callback from Luka Cenaj, who goes through the drivers, the Waco property and any commercial exposure.
3. Let Aulona Insurance Group carry the Waco risk to the insurers it holds appointments with.