Barnes Island Investment, LLC was sold an insurance policy from Daniel at Sol Insurance. Daniel at Sol Insurance withdrew monies from our bank account for a year's worth of coverage upfront. Barnes Island Investment, LLC sold the home a few months later after purchasing the policy. When we asked for a refund check to be sent to us for the remaining days of the year where coverages were not provided we got slow responses and excuses from Daniel and the members at Sol Insurance. After nearly a half a year, several months of calling and multiple emails Danial at Sol Insurance sent us a check for the days that coverage was not provided (or so we thought). Daniel, the presumed owner at Sol Insurance, prorated the amount Sol Insurance owed back to us not based on the annual premium that we prepaid, but a maternally lower number. Daniel and or Sol Insurance debited our bank account for the year upfront for $509.19. However, when a check was sent to us for the days left in the year that coverage wasn't provided due to cancelation they prorated the amount they owed back to us based on a figure of only $378.00 and not $509.19. When we finally caught the accounting scheme when we closed the books at years end, we emailed Daniel confronting him. In summary, Daniel said the portion of the pre-paid monies between $378.00 and $509.19 go to the "carrier", also include taxes and are non refundable. Does the state still keeps the taxes on the product that was not provided and or returned? We emailed the insurance carrier and the insurance "carrier" rebutted Daniel's claims explaining that $100.00 of the amount over $378.00 went to the broker for commission and rest of the spread was taxes of which the taxes for the balance for the year where coverage was not provided was paid back on a prorated basis and such was itemized on the policy cancelation endorsement. We sent this to Daniel. Daniel emailed us back and said "the brokerage fee" is non refundable. We emailed Daniel and asked him to point to us where in the contract he provided to us (prior to debiting our bank account for a full year) disclosed this "fee" was non refundable and how they would compute the amount due back to us if the policy was canceled before a year passed, as well as other specific disclosures in the insurance agreement. Daniel emailed us back but didn't point out these items in the contract in the reply email, presumably because he can not because they do not exist in the contract as they should and ended the email with "I will not respond further on this matter." We have experience purchasing insurance and this is not how refunds for unearned premium have been handled in the past with a number of other insurance providers / brokers we have dealt with. We should have known better to deal with this cast of characters, given the fact that this wasn't the first problem we had with them. Insurance companies are under an obligation to provide to you disclosures, within a certain period of time, if your insurance is going to increase by a materially higher amount before your current policy expires. Before our policy expired, prior to this one, we got a letter in the mail dictating what the amount would be on the new policy. When we went to renew, we were told last minute it was going to be much more expensive for the following year then the letter indicated (however it was never disclosed to us in a mailing upfront that it would be more expensive on renewal). This disclosure is important because proper notice per law gives the consumer time to shop for a lower rate before renewal to help prevent an insurance company or agent from trying to stick up a consumer for much more money at the last second to get coverage for the next year before the current policy expires . We expressed that we were never notified of such per the law that the rate was going to increase so heavily for the next period. They said you were, except we sent paperwork with the wrong (lower) figures for renewal compared to what they were actually going to be (higher). They tried to justify this by saying they accidently sent a policy renewal notice from a few years ago by mistake (that had a lower premium on it). - Matt Barnes on behalf of Barnes Island Investment, LLC If you payment issue with a business in Miami FL you may want consider notifying the Miami Dade Economics Crimes Bureau at (305) 994-1000. There are other resources available to you as well if you are a concerned consumer in Miami Dade such as the Miami Dade Consumer Protection Division 786-469-2300. read more

Daniel Baptista is one of the most knowledgeable and friendliest insurance agents in the business. He's got a great team that will get you the best coverage and the best premium possible. They are a very well informed and approachable bunch. I've always had every call answered within the hour and have always been treated with the utmost courtesy and professionalism. SOL INSURANCE is capable of helping you with all of your insurance needs from personal auto to homeowners to commercial. Tired of paying too much for insurance?? Give Daniel and crew a call. read more

I have my auto insurance in this agency for 3 years, and they always had the best customer service and the best prices... But my favorite is that everybody there treat you with the respect you n all deserve. Everyone there are very friendly and respectful Elia is my insurance agent Lucy,juan,George, Erika,yuly and especially Daniel Baptista the owner a very kind and respectful person I ever meet... I invite you to visit them and you will not regret it never !! read more

I worked with Yaoska Friday late Afternoon looking to switch insurances As my current one was too expensive. By 6 o'clock Yasaka had me all set up with an almost $350 cheaper plan with Identical coverage to Geico. We finalized everything Saturday morning including photos and a couple documents to sign. She made the process effortless and amazing. I highly recommend working with Yaoska and the company as it was so easy! read more

I was looking for service at the same time trying to offer my service and he hung up that was not professional, the buisness owner hung up on me his name is Daniel the owner it was really hard because he really didn't help me he was kind of offputting and don't see any photos or any references online to show this is a valid place it's really hard to grasp the concept of an invisible insurance company? read more

Do not normally post but I felt I had to after having a great experience at this office. Called in for an auto quote, spoke with Daniel. He was great. Informed me of the nessesary coverages and guided me in recieving an extra 15 percent in discounts. He assisted me in canceling my current policy and saved over $120 from my prior auto policy. Staff is great and friendly. I do recomend SOL insurance. read more

I did my policy with this agency last month and great customer service skills Mrs. Tavel, also knows as Lucy, she very nice helpful, explain everything the coverage's she also reinstated my license she save me the trip to go too the DMV. and they also have health insurance if you need a quote just ask for Lucy Mrs. pink you are the best!!! read more

I love Sol Insurance Company! My agent Lucy was amazing! She listened to what I had to say and she worked really hard to meet my family's needs and our budget! She is super professional and extremely nice! Thank you so much Agent Lucy for the wonderful customer service that you provided to me and my family!! I LOVE SOL INSURANCE!!!! read more

When I got my insurance here, Luz was very helpful and gave me all my options and help me understand what would be best for me and my family!! Very professional and friendly. I have recommend this insurance and her services to everyone I know!! So appreciative for her help and friendly attitude read more

I recently went to Sol insurance and not only is it the best decision I have done but the agent was AMAZING , LUCY informed me of the best insurance coverage that would benefit me but always informed me of information that I was not aware of . Thank you so much Lucy , you are loving and kind. read more

Found them on the web. office is nearby and I called. I spoke to Daniel and he took the time to find me a great rate. Made the appointment passed by and Lucy set up my policy. Office staff is very great and made the process easy. Definitly recomend the office. Excellent price great service. read more

I was helped by Crystal....she was amazing....very knowledgeable and professional....she gave me incredible effort and provided me with several quotes, until we found the best policy for me and my home. I would highly recommend SOL Insurance. Elvis read more

Love this place AWESOME!! BEST THING THERE IS (LUCY) one of the employee there she really helps you. Professional and makes everything to save u time and money. I reccomend this place all the way. Make sure u go see (Lucy) read more

Best Insurance Agency I have ever dealt with. Lucy is the most professional and helpful agent I have met so far. She even scheduled my son an appointment with the DMV office. I recommend them 100%. read more