Making Sure That Your Solar Panels Are Insured

April 15, 2015 at 9:00 AM | Posted in Home, Insurance Policy, Personal Property | Leave a comment
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We are all aware that we need to take actions to help protect and maintain our environment. One change that many homeowners are investing in is the installation of an eco-friendly solar panel system. These systems significantly cut down on energy uses and electricity costs. If you are a homeowner that has made this investment, or are considering making this investment, here are a few things that you should know to make sure you are properly insured.

  1. Solar panels can by mounted on the ground or on your roof. Either way, there are several factors that can damage your solar system. Weather is the most common cause of loss with hail, snow, heavy wind and lightning. Other reasons that you want to make sure you have adequate coverage are fire, vandalism, theft and falling objects, such as tree limbs.
  2. Solar panels that are installed on your roof are considered to be part of the dwelling.
  3. Solar panels that are installed on the ground are considered to be “other structures”.

As with any type of addition or renovation to your home, you should contact an insurance agent to help you determine that the coverage on your homeowner insurance policy is adequate. If you would like us to review your policy and offer suggestions to help you make this decision, please feel free to contact us at 1-888-850-9400.


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