Importance of Getting Solar Panel Insurance

People are looking for ways to go green, and one of the options is to switch to solar panels. Thousands of homes in the UK use solar panels and there is an upward trend on this number. If you’re thinking about making the shift, it’s important to know that the cost of solar panel installation varies depending on the system size. So, get solar panels that are the right size for your home to get the energy you need without overspending on the installation.

Besides the savings that you will enjoy from your electric bill and reducing your carbon footprint, another benefit of installing solar panels is being independent of the grid. You won’t have to worry about power outages since you have an infinite power source: the sun. Moreover, you can even earn by selling the excess power your system generates to the grid.

That said, these solar panels are a hefty investment, so you need to make sure that you get them from a trusted company like the ones you will find at They will ensure proper installation, which plays a massive part in ensuring the system’s efficiency. Since it’s an expensive investment, it’s also crucial to get them properly insured.

Why do you need solar panel insurance?

As mentioned, solar panels are a costly investment. Although they are durable, they are still not invincible to damage, and the repair or replacement of these panels can be expensive. The expenses will come out of your pocket if they are not insured. Therefore, having proper insurance will give you peace of mind that you will be covered if something happens to your solar panels.

Most home insurance covers solar panels, as long as they are attached to the house, such as the roof. However, not all companies may cover this. So as soon as you decide to install solar panels in your home, check with your home insurance provider to determine if they cover the solar panels. Also, ask about the amount of coverage they offer. If the coverage is not enough, you may want to increase it until it suits your needs.

The cost of your insurance may also go up, but it’s worth it if it means you will have full coverage. If your home insurance does not cover it, see if they offer separate coverage. Else, you may need to look for a third-party insurance provider to cover your solar panels.

What circumstances does the insurance cover?

  • Fire damage. The insurance provider will compensate you for the damage or loss due to the fire. However, this is only if you can prove that an accidental fire caused it.
  • Natural wear and tear. Solar panels are also prone to wear and tear. Therefore, they may incur damages in the long run. Your insurance will cover this.
  • Wind damage. Not all companies cover damages due to wind, so be sure that yours does.
  • Falling objects. Damages due to falling objects like trees are also covered, as long as they are caused by accidents.

Check with your home insurance company if solar panels are covered. Moreover, get the right coverage to ensure that your solar panels are protected regardless of what happens.