Do Solar Panels Increase Your Home Insurance?

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Are you considering installing solar panels but worried about how it might affect your home insurance? It’s a common concern for many homeowners. Let’s explore how solar panels impact home insurance, coverage options, and potential costs.

Understanding Solar Panels and Home Insurance

Home Insurance Impact of Solar Panels

Installing solar panels can potentially impact your home insurance policy. While they increase the value of your home, they also require additional coverage to ensure they are protected.

Factors Influencing Insurance Changes

  1. Home Value Increase: Solar panels can increase the overall value of your home, which might raise your insurance premiums.
  2. Coverage Adjustments: You may need to adjust your policy to ensure the solar panels are adequately covered.
  3. Risk Assessment: Insurers may evaluate the risk associated with installing solar panels, such as potential damage or liability issues.

Solar panels and home insurance

Solar Panel Insurance Coverage

When you install solar panels, it’s essential to ensure they are covered by your home insurance policy. Typically, solar panels are covered under your dwelling coverage, but it’s crucial to confirm this with your insurance provider.

Types of Coverage

  1. Dwelling Coverage: Most standard home insurance policies cover solar panels under the dwelling coverage, which protects the structure of your home.
  2. Personal Property Coverage: If your solar panels are not permanently attached to your roof, they may fall under personal property coverage.
  3. Additional Endorsements: Some insurers offer specific endorsements or riders that provide extra protection for solar panels.

Cost of Insuring Homes with Solar Panels

The cost of insuring a home with solar panels can vary depending on several factors. On average, adding solar panels to your home insurance policy can increase your premium by $50 to $200 per year.

Factors Affecting Insurance Costs

  1. Home Value Increase: As mentioned earlier, the increased value of your home due to solar panels can lead to higher premiums.
  2. Location: Insurance costs can vary based on your location and the associated risks, such as weather conditions.
  3. Insurance Provider: Different insurance companies have varying policies and rates for insuring homes with solar panels.

Solar panel insurance coverage

Home Insurance for Solar Energy Systems

Ensuring your solar energy system is adequately covered by your home insurance is crucial for protecting your investment. Here are some tips to help you navigate the insurance landscape:

Tips for Homeowners

  1. Review Your Policy: Carefully review your current home insurance policy to understand how it covers solar panels.
  2. Contact Your Insurer: Speak with your insurance provider to discuss the specifics of your coverage and any necessary adjustments.
  3. Compare Quotes: Consider getting quotes from multiple insurance providers to find the best coverage at the most competitive rate.
  4. Consider Additional Coverage: Evaluate whether additional coverage or endorsements are needed to fully protect your solar panels.

Benefits of Choosing PES Solar

At PES Solar, we not only provide top-quality solar panel installation but also guide you through the insurance process. Here’s why you should choose us:

  • Expert Guidance: Our team helps you understand the insurance implications and ensures you get the best coverage.
  • Quality Installation: We use high-quality materials and ensure that your solar panels are installed to withstand various conditions.
  • Comprehensive Support: From installation to insurance, we provide comprehensive support to make your solar journey smooth and hassle-free.

Home insurance impact of solar panels

Reach Out for Your Tree Removal Needs

Ready to install solar panels and start enjoying renewable energy? Contact PES Solar today for a free consultation and let us help you navigate the insurance aspects and more.


1. Do solar panels increase home insurance premiums? Yes, installing solar panels can increase your home insurance premiums by $50 to $200 per year due to the added value to your home.

2. Are solar panels covered under standard home insurance? Typically, yes. Most standard home insurance policies cover solar panels under dwelling coverage, but it’s essential to confirm with your insurer.

3. How can I ensure my solar panels are adequately covered? Review your current policy, discuss with your insurer, and consider additional endorsements or riders for extra protection.

4. Does installing solar panels increase the value of my home? Yes, solar panels can increase the value of your home, which might lead to higher insurance premiums.

5. What should I do if my insurer doesn’t cover solar panels? If your insurer doesn’t cover solar panels, consider switching to a provider that offers the necessary coverage or explore additional coverage options.

Austin Miller

Austin Miller

With over two decades of experience in the solar and electrical contracting industry, Austin Miller brings a wealth of expertise to the table. As the proprietor of PES Solar, his profound understanding of solar energy and its cost-saving potential is unmatched. Austin's unwavering passion for the solar sector drives his mission to help businesses and homeowners maximize their savings while embracing renewable energy solutions.