Solara Insurance Agent in Yuba City, CA

Yes. Oakview Insurance Services is an independent agency appointed with Solara Specialty Insurance Solutions, and we can quote and service Solara homeowners policies in California. Solara does not publish a public agent locator listing for our office. We are a local independent agency, not a Solara employee or a captive agent.

Solara writes a non-admitted HO-3 homeowners policy for primary and secondary homes in California. It covers the dwelling and other structures, belongings, liability, medical payments, and loss of use, with optional equipment breakdown, service line, identity theft, and social media coverage.

Solara's policies are surplus lines. The insurer is not admitted or licensed in California, and its policies are not protected by the California Insurance Guarantee Association (CIGA). Solara's products are available only through a licensed surplus lines broker. Oakview arranges the placement through one when the admitted market is not available for the home, and we go over the disclosures with you before you buy.

Solara says the insurer behind its program is rated A (Exceptional) by Demotech. Because the policy is surplus lines, it is not backed by CIGA if the insurer becomes insolvent, so we review the insurer named on your quote with you before you buy.

Often it will consider it. Solara says its program is designed for properties in all wildfire areas where admitted options may not be available, and it looks at each home's characteristics rather than the ZIP code. Not every home meets its criteria, though, so availability varies by property and location.

Solara includes complimentary wildfire defense services. When a wildfire is expected to threaten an insured home, crews may be deployed to clear nearby flammables and apply protective suppressants or retardants. It is a service, not a guarantee that a home will be protected.

We need the property address, year built, roof age and material, construction type, square footage, and recent claims, plus any wildfire mitigation you have done. Most Solara quotes come back immediately, and when a home needs more review, Solara's underwriters usually respond within 24 hours. You can start the request before every document is ready.

Standard homeowners policies generally do not cover flood damage, and standard California homeowners policies generally exclude earthquake damage. Earthquake protection is available through separate policies or eligible endorsements. Oakview writes flood as a separate policy, and we can check earthquake options when we quote your home.

Solara's products are available only through a licensed surplus lines broker, so you will need an agent or broker either way. With Oakview, you work with a local office that arranges the placement and can also quote the other carriers and surplus lines markets we can access. If Solara is not the best fit for your home, we will tell you and show you what is.

Yes. We work with clients throughout California, with a focus on Yuba-Sutter, Butte and Colusa Counties, and greater Sacramento. Existing Solara policyholders can find claims and billing contacts on our carriers page.