Got a Solara Quote? 6 Things to Know Before You Say Yes
Got a quote from Solara? Here's who they are, what's different about the policy, and the number to find on your quote first.
Why you might be looking at a Solara quote
We start with our main company. When it can't take your home, we look at other companies available through our brokerage. Solara is one of them, and it's often a fit for homes in high fire areas.
A Solara policy works differently from a regular homeowners policy in a few important ways. Here are the six we go through with every client before they sign anything, not after.
Free one-page guide: Your Solara quote: 6 things to know before you say yes. Easy to print or keep on your phone.
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1. Wildfire has its own deductible, and it's bigger
Solara sets a separate wildfire deductible based on your home's wildfire rating. The lowest it can be is $10,000 for low risk. It's 2% of your dwelling amount for moderate or high risk, and 5% for very high risk.
For example, 2% of an $800,000 dwelling amount is $16,000. That's what you pay before the policy pays on a wildfire claim. Find this number on your quote first.
2. Who Solara is
Solara Specialty Insurance Solutions is headquartered in Boca Raton, Florida and holds CA License #6018206. Solara arranges the policy. The insurance company that issues it is named on your quote.
3. It's a surplus line policy
Surplus line policies are legal and common in California when the regular market says no. The difference is that there's no state guarantee fund behind it, and surplus lines taxes are added. You'll sign a disclosure.
4. The home has to qualify
Solara won't take a home with a Federal Pacific, Challenger, or Zinsco panel, Stab-Lok breakers, fuses, knob and tube, aluminum or cloth wiring. Polybutylene, galvanized, or lead pipes are out too. The water heater needs to be 15 years old or less, and a shingle roof 25 years old or less.
Not sure what's in your house? Text us photos and we'll tell you.
5. Expect an outside inspection
After the policy is issued, Mueller Services, a third-party company, inspects the home for Solara. There's no self-inspection. It can take up to a month.
You can call Mueller directly at 1-800-875-8339 to check on your inspection.
Solara also checks its wildfire safety rules by inspection, imagery, or photos it asks you for. In high risk areas, trees, shrubs, and plants aren't covered for fire. Very high risk homes also need ember resistant vents and non-combustible gutter guards.
6. Know these limits
- Smoke damage with no direct fire contact: $30,000.
- Water damage: limited to $50,000 on homes over 50 years old, second homes, or homes with a prior water loss.
- Animal liability isn't included unless you add it.
- Belongings pay at depreciated value unless you choose replacement cost.
Let's go through the exclusions before you sign anything, not after.
Numbers to keep if you have a Solara policy
Solara claims: 888-392-6716 or claims@solarainsurance.com. Customer service: 888-392-5019. Then call us, so we know what's going on.
Enrollment in Wildfire Defense Services, an emergency wildfire defense program, is included free.
CA License #0G53463. Baxter Insurance Agency is not Solara. General information as of October 2026 from Solara's Agent Quick Reference Guide, version 1, updated June 30, 2026, and Solara's website. Not a policy, quote, or legal advice. Coverage and rates depend on the property and policy terms and are subject to underwriting. Your policy documents control. No coverage is guaranteed.
Frequently Asked Questions
Who does the inspection on a Solara policy?
A third-party company, Mueller Services, inspects the home for Solara after the policy is issued. There's no self-inspection. It can take up to a month, and you can call Mueller directly at 1-800-875-8339.
How big is the Solara wildfire deductible?
It depends on your home's wildfire rating: at least $10,000 for low risk, 2% of the dwelling amount for moderate or high risk, and 5% for very high risk. Find it on your quote first.
Is a surplus line policy legal in California?
Yes. It's legal and common when the regular market says no. There's no state guarantee fund behind it, surplus lines taxes are added, and you'll sign a disclosure.
Keep exploring
Want a second look at your coverage? Talk to Darlene Baxter Insurance Agency.