Insurance Agency in Wichita Falls, Texas

Auto, home, flood and business in Wichita County

Aulona Insurance Group places auto, home, flood and business coverage for Wichita Falls and the rest of Wichita County, holding its own appointments so a household’s risk goes to a market rather than to one company’s product.

A Wichita Falls household carrying a ticket, a lapse in coverage, or a roof that has taken a hailstorm is the one that gets the most out of an agent holding more than one appointment.

Aulona Insurance Group works from one office, in Plano, under Agency License #3481412 and NPN 22184980, and serves Wichita Falls by phone. No visit to Wichita Falls or to Plano is part of placing coverage. A Wichita Falls file reaches a quote through one route, a recorded call with Luka Cenaj, held in English or in Albanian.

Auto insurance in Wichita Falls

Auto insurance in Wichita Falls rates on Wichita County, the county Wichita Falls is the seat of.

Texas Transportation Code §601.072 sets the liability floor for a Wichita Falls 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 stay optional and each takes a signed written rejection (Texas Insurance Code §1952.152 and §1952.101). A vehicle garaged at Sheppard Air Force Base rates on Wichita County like any other Wichita Falls address.

Home insurance in Wichita Falls

Home insurance in Wichita Falls is written against hail and tornado, and the warnings for both come from an Oklahoma office. The National Weather Service Norman forecast office issues the severe thunderstorm and tornado warnings for Wichita County.

What decides a Wichita Falls wind or hail claim:

• The wind and hail deductible, which is often a percentage of the dwelling limit rather than a flat amount
• Whether the roof settles at replacement cost or at actual cash value, which usually turns on its age
• Whether outbuildings, fences and detached garages are scheduled, since wind finds those first

Flood is separate from every homeowners policy and comes from the National Flood Insurance Program with a thirty-day wait. Wichita County is inland, so the Texas Windstorm Insurance Association does not write there.

Business insurance in Wichita Falls

Aulona Insurance Group holds markets for a Wichita Falls business owners policy, general liability, commercial property, workers compensation, professional liability, umbrella and commercial auto.

Workers compensation is optional for most private Texas employers (Texas Labor Code §406.002), and an employer that goes without it files as a non-subscriber with the Texas Department of Insurance, Division of Workers’ Compensation.

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

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

Restaurants, retail, personal care, fitness studios and professional practices are the classes that place most readily.

Where Aulona Insurance Group is not the right fit

A Wichita Falls caller runs into one of two limits more often than any other.

• A storage-only policy on a vehicle parked during an assignment away, which the agency does not write
• Livestock operations and pet breeders across the county, with no market on the agency’s package lines

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

Working with Aulona Insurance Group from Wichita Falls

Wichita Falls is flood-program community 480662, its first flood map took effect on October 16, 1979, and the current map dates from February 3, 2010. A Wichita Falls 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 Wichita Falls caller can use the contact page instead.
2. Answer the recorded callback from Luka Cenaj, who goes through the drivers, the Wichita Falls property and any commercial exposure.
3. Let Aulona Insurance Group carry the Wichita Falls risk to the insurers it holds appointments with.