Does Home Insurance Cover Solar Panels? What It Does not Cover

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

But what happens if your solar panels get damaged by a storm, fire, or vandalism?

Will your home insurance cover the cost of repairing or replacing them?

The answer depends on several factors, such as the type, size, and location of your solar panels, and the terms and conditions of your home insurance policy.

Does Solar Increase Home Insurance?
Does Solar Increase Home Insurance? | Dyson Energy Services

In this article, we will explain how solar panels affect your home insurance, and what you need to know before installing them on your property.

How Solar Panels Affect Your Home Insurance

Solar panels are considered a permanent attachment to your home, similar to a patio or a security system.

That means they are usually covered by your standard home insurance policy, under the dwelling or other structures coverage.

However, not all home insurance policies are the same, and some may have exclusions, limitations, or additional requirements for solar panels.

For example, some insurers may require you to get an add-on or a separate policy for certain types of solar panels, such as ground-mounted or carport-mounted ones.

Others may have a lower coverage limit for solar panels, or charge you a higher premium for having them.

Therefore, it is important to check with your home insurance provider before installing solar panels on your property.

You should ask them the following questions:

– Does my current home insurance policy cover solar panels?

– Do I need to get an add-on or a separate policy for solar panels?

– How much coverage do I have for solar panels, and what is the deductible?

– How will solar panels affect my home insurance premium?

– Do I need to inform my home insurance provider before or after installing solar panels?

– What kind of documentation or proof do I need to provide for solar panels?

– What are the exclusions or limitations for solar panels in my home insurance policy?


By getting clear answers to these questions, you can avoid any unpleasant surprises or disputes in case you need to file a claim for your solar panels.

How to Protect Your Solar Panels from Damage

While home insurance can cover the cost of repairing or replacing your solar panels in case of damage, it is better to prevent damage from happening in the first place.

Solar panels are designed to withstand harsh weather conditions, such as rain, snow, hail, and wind.

However, they are not invincible, and they can still get damaged by extreme events, such as hurricanes, tornadoes, earthquakes, or wildfires.

They can also get damaged by human causes, such as theft, vandalism, or accidents.

Infographic for Does Home Insurance Cover Solar Panels?
Does Home Insurance Cover Solar Panels?
Infographic for solar panels and insurance
How Solar Panels Affect Your Home Insurance

To protect your solar panels from damage, you should follow these tips:

1.Choose high-quality solar panels and a well-vetted installer.

Look for solar panels that have a long warranty, a high efficiency rating, and a durable frame.

Also, make sure to hire a reputable and certified installer who can install your solar panels properly and safely³.

2.Perform regular maintenance and inspections.

Check your solar panels for any signs of wear and tear, such as cracks, chips, or loose wires.

Clean your solar panels regularly to remove any dust, dirt, or debris that can reduce their performance. If you notice any problems, contact your installer or manufacturer for repairs

3.Install security measures.

To prevent theft or vandalism, you can install security cameras, motion sensors, alarms, or locks on your solar panels.

You can also register your solar panels with the manufacturer or a third-party service, so that they can be tracked and identified if stolen.

4.Follow safety precautions.

To avoid accidents or injuries, you should never climb on your roof or touch your solar panels without proper training and equipment.

You should also keep your solar panels away from any flammable materials, such as dry leaves, branches, or gasoline.

If there is a fire or an electrical issue, call the fire department or a professional electrician immediately.


Solar panels are a smart investment for your home, but they also come with some risks and responsibilities.

Before installing solar panels on your property, you should check with your home insurance provider to see how they affect your coverage and premium.

You should also take steps to protect your solar panels from damage, and report any incidents to your home insurance provider as soon as possible.

By doing so, you can enjoy the benefits of solar energy without worrying about the costs of damage.

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