Home Isurance Wont Cover Certain Types Of Solar Panels

Even worse some insurance providers might not cover such panels at all.

Home isurance wont cover certain types of solar panels.

Whether or not these separate systems are covered depends on your insurer s policy. In most cases there won t be any change to your home insurance premium if you fit solar panels to your property. These along with costly price present a challenge to every insurer who is trying to keep a hefty payout at bay. Solar panels are exposed to the elements and damages from natural causes.

Many insurers cover solar panels as standard counting them as permanent fixtures to your home. Some types of panels ground mount solar panels or solar carports may not be covered under your home insurance. However you may need to increase the amount of coverage on your home to account for the cost of the system which can then raise your premium. While solar panels are generally covered by your standard insurance the possibility of your insurer demanding that it be an add on will be there.

In most cases there is no need to get additional insurance to cover your solar panel system. Of course not every policy or solar energy system is the same. Most rooftop solar energy systems are covered by standard homeowners policies which doesn t change your insurance plan. While rooftop solar is typically covered in a standard policy your insurer may or may not cover other types of installations such as ground mounted solar panels and solar panel carports.