Sola Insurance Through an Independent Agency: Coverage and States

Sola coverage and states available through our agency

The table shows each Sola coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.

If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.

How to request a Sola quote

• Send the request form on this page or call 888-387-3687.
• Tell us the coverage you need and the state where the property, vehicle or business is located.
• A licensed agent reviews whether Sola is available for your situation and what information the insurer needs.
• You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.

Ways to compare your options

You can go whichever direction suits you. None of these commits you to buying.

• Ask a licensed agent. Send a request or call 888-387-3687.

Who Sola is

Sola is a weather insurance company based in Atlanta, with an office in Midtown, according to Hypepotamus. Trade press describes it as a vertically integrated insurtech and a Lloyd's of London coverholder. It writes its own policy forms. It also handles risk modeling and claims in-house.

We couldn't verify Sola's legal entity. A 2023 Beazley release names "Sola Technologies" as the developer of the product. We found no parent company. Sola is venture-backed.

Sola's coverage began in June 2022, according to its help center.

Who issues Sola policies

In 2023, Beazley said Spinnaker Insurance Company provided the admitted capacity for Sola's tornado product. Beazley was the reinsurance and incubation partner. Costero Brokers placed the business.

We couldn't verify who issues Sola policies today. Recent sources describe Sola as a Lloyd's coverholder. A job-listing site cites Coverager naming Tokio Marine Kiln as a partner, but that's second-hand.

We also couldn't verify an AM Best rating for Spinnaker or for any current insurer behind Sola. Check the insurer named on your policy.

A Lloyd's coverholder is generally a firm authorized to write policies on behalf of Lloyd's syndicates. If your Sola policy is on Lloyd's paper, ask your agent which syndicates are behind it.

What Sola sells

• Tornado policy. Payouts are based on the EF rating at your property, using National Weather Service data. The money can go toward your deductible and out-of-pocket costs. Beazley said the 2023 version paid up to $15,000.
• Wind and hail policy. Launched in October 2024. Sola describes it as a mix of parametric and indemnity features.

Sola's help center (dated June 18, 2026) lists 16 states in all. Tornado cover is in 15 of them, and wind and hail is in 12. The two lists don't match exactly, so check your product in your state.

Sola sells through vetted agency partners and keeps a waitlist of agencies. It wasn't in the First Connect carrier directory when we checked.

Sola news, 2024 to 2026

• October 2024: launched its wind and hail policy.
• December 2024: raised a $3.7 million seed round led by FINTOP Capital.
• August 27, 2025: announced an $8 million Series A led by FINTOP Capital and JAM FINTOP, with 10vc and Georgia Tech. Total funding reached $11.7 million.
• July 2026: a job-listing site reports that Comparion Insurance Agency began offering Sola in 12 states. We couldn't confirm that.

How Sola's tornado payout works

Sola's tornado policy doesn't wait for an adjuster to price your damage. It uses the Enhanced Fujita (EF) rating at your property, based on National Weather Service data.

Sola markets the payout as help with your homeowners deductible and out-of-pocket costs. That makes it an add-on, not a replacement for your homeowners policy.

The wind and hail policy, launched in October 2024, blends parametric and indemnity features, according to Sola. Ask your agent to walk through how a claim on that product works, since it isn't purely parametric.

What to check before you buy Sola

• The issuing insurer. Find its name on your policy, and whether it's a Lloyd's or admitted policy.
• How the payout works. Ask what EF rating or weather reading triggers a payment, and how much each level pays.
• Your state and product. Tornado and wind/hail aren't offered in the same states.
• Your home policy. Sola can help with deductibles and out-of-pocket costs. Keep your homeowners policy in place.
• The limit. Ask for the maximum payout and how it compares with your deductible.
• Your agent. Sola works through agency partners. Ask whether your agency can place it.

How to verify an insurer or agency

Before buying through any website or app, confirm who is selling you the policy and who will issue it:

1. Find the licensed agency or insurer named in the site's footer, terms, or license page.
2. Look up the agency or producer on your state insurance department's license search, or through the National Insurance Producer Registry (NIPR).
3. Look up the insurer on your state insurance department's company search to confirm it is authorized in your state.
4. Save the insurer's name and policy number once issued, since that is who handles claims.

A legitimate service will make this information easy to find. Be cautious if you cannot identify the licensed entity.

What an independent agency does

An independent insurance agency is licensed to sell policies from several insurance companies. Instead of quoting one company's products, an independent agent can compare options from the insurers the agency represents, explain the differences in coverage, and help you re-shop at renewal. The insurance company, not the agent, makes underwriting and claim decisions.

Blake Insurance Group is an independent agency. We work with clients by phone, email, and online in states where we are licensed, and we will tell you which insurers we can quote for your situation.

Questions to ask before you buy

• Which insurer issues the policy, and is it licensed in my state?
• What are the limits and deductibles, and what’s excluded?
• Which discounts were applied, and which ones weren’t?
• How do I report a claim, and is there a 24-hour line?
• What happens if I miss a payment, and is there a grace period?
• Can I get the full quote, including all fees, in writing before I pay?

Sola FAQs

Your next step

Send a request and a licensed agent will check Sola and other options available to you.