How to buy insurance for photovoltaic solar panels

When it comes to adding solar panels — otherwise known as photovoltaic (PV) systems — to your roof, most insurance companies see them as part of the structure of your home. That's good news because it means a regular homeowners policy usually has you covered, and you won't need to get special insurance just for your solar panels.
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6 FAQs about [How to buy insurance for photovoltaic solar panels]

Do you need insurance for solar panels?

When it comes to adding solar panels — otherwise known as photovoltaic (PV) systems — to your roof, most insurance companies see them as part of the structure of your home. That's good news because it means a regular homeowners policy usually has you covered, and you won't need to get special insurance just for your solar panels.

Are rooftop solar panels covered under Home Insurance?

In most cases, you'll be covered under one of two home insurance coverages (dwelling or other structures) depending on whether the panels are attached to your home or not. If you have rooftop solar panels on the main part of your home or an attached structure, like your garage, they would be covered under your policy's dwelling coverage.

How can I insure my solar panel system?

To insure your solar panel system, you can add endorsements or riders to your existing homeowners insurance policy. Endorsements modify the policy terms to specifically include coverage for your solar panel system.

What is a dedicated solar panel insurance policy?

A dedicated solar panel insurance policy is designed to provide comprehensive coverage for your solar panel system. It often offers more extensive protection than what is provided by homeowners insurance.

Are solar panels covered under a homeowner's policy?

This means that as long as you own your solar panels and they are rooftop-mounted (additional policies may be required for ground-mounted systems), the system will be included under a homeowner’s policy and covered in standard plans without raising your premium.

Will solar panels increase my homeowners insurance premium?

You may not see an increase in your homeowners insurance premium after installing solar panels on your roof. However, you'll likely need to raise your coverage limits to account for the replacement cost of your solar panels, which will likely result in some increase to your premium.

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