Does Homeowners Insurance Cover Solar Panels: Overview, Coverage & Reporting Damage

Does Homeowners Insurance Cover Solar Panels: Unveiling the Truth.!!!

An image illustration of Solar Panels at home.
Explore the ins and outs of homeowners insurance coverage for solar panels.

Solar panels are a great way to save money on your electricity bills and reduce your carbon footprint.

But what happens if they get damaged by a storm, fire, or vandalism?

Will your homeowner’s insurance cover the cost of repairing or replacing them?

The answer is not so simple.

Depending on your policy, your solar panels may or may not be covered by your homeowner’s insurance.

In this blog post, we will explain how solar insurance works, what factors affect your coverage, and what you need to do to protect your investment.

Now let’s dive in and answer the question: “Does Homeowners Insurance Cover Solar Panels

Understanding Solar Insurance

Solar insurance is not a distinct insurance type but a facet of your existing homeowner’s insurance.

Similar to permanent attachments like patios or security systems, solar panels fall under the coverage for your home against perils such as fire, wind, hail, lightning, and theft.

However, limitations and exclusions exist. Some policies might exclude damage from specific events like earthquakes, floods, or power surges.

Others might have lower claim limits for solar panels compared to other parts of your home, potentially not covering the full system value.

Certain policies might only cover solar panels on your roof, excluding those on the ground or a carport.

If your solar system varies, you may need an add-on or a separate policy for comprehensive coverage.

Factors Influencing Coverage

Several factors influence the extent and type of coverage for your solar panels:

  • Value of your solar system:

A pricier system may require higher coverage. Assess your system’s market value and compare it against your policy’s claim limit.

If there’s a disparity, consider increasing coverage or obtaining a rider.

  • Age and condition of your solar system:

Older systems might receive less coverage, with depreciation reducing payouts.

Check your policy’s depreciation rate to understand its impact on coverage.

  • Installation and maintenance:

The quality and safety of your solar system matter.

Some policies demand professional installation and maintenance; failing to comply may void your coverage. Adhering to these requirements is crucial.

Safeguarding Your Investment

To ensure sufficient coverage for your solar panels:

  • Inform your insurer:

Before installation, notify your insurer, providing details like cost, size, type, and installer.

Obtain their approval and be aware that not informing them might jeopardize your coverage.

  • Review your policy:

After installation, carefully review your policy. Understand any exclusions, limitations, or deductibles applicable to your solar panels.

Familiarize yourself with the claim process and required documentation for damages.

  • Update your policy:

As your solar system ages or undergoes changes, update your policy accordingly. Inform your insurer about any additions, removals, or upgrades.

Update your policy if the system’s value changes due to market fluctuations or depreciation. Regular updates prevent coverage gaps or overlaps.

How do I report damage to my solar panels?

Reporting damage to your solar panels follows a similar process to reporting other home damages.

Promptly contact your insurer to inform them about the damage.

Document the extent of the damage through photos and videos and gather any relevant receipts or invoices for your system.

Complete the claim form and submit it along with supporting documents to your insurer, then await their response.

How can I avoid damage to my solar panels?

The most effective way to prevent damage to your solar panels is through proper installation and maintenance.

Employ a trustworthy and certified contractor for installation, adhering to the manufacturer’s guidelines.

Regularly inspect and clean your system, addressing any identified issues promptly.

Shield your system from adverse weather conditions like heavy snow, strong winds, or hail by utilizing covers, frames, or anchors.


Q: How much does solar insurance cost?

A: The cost of solar insurance depends on your homeowner’s insurance policy.

Generally, adding solar panels to your home will increase your premium by a small percentage, usually between 1% and 5%.

However, the exact amount will vary depending on your insurer, your policy, and your system.


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