Does homeowners insurance cover solar panels?

Most homeowners policies cover solar panels as part of your dwelling coverage, but limits may be insufficient for full replacement. A separate solar policy ensures complete protection including production loss and specialized equipment coverage.

Do I need separate insurance for my heat pump?

Standard homeowners insurance covers HVAC systems, but equipment breakdown coverage provides additional protection for mechanical failures not caused by covered perils. Extended warranties can cover normal wear and tear that insurance doesn't.

Is home battery insurance required?

While not legally required, battery insurance is highly recommended due to the high replacement cost ($10,000-20,000) and potential fire liability risks. Many installers require proof of insurance before installation.

What does EV charger insurance typically cover?

EV charger insurance covers equipment breakdown, electrical surge damage, weather damage, vandalism, and liability if someone is injured using your charger. Most policies range from $50-150/year.

How much does solar panel insurance cost?

Solar panel insurance typically costs $150-400 per year for a residential system, depending on system size and location. This is about 0.5-1% of your total system cost annually.

Does insurance cover reduced solar panel efficiency?

Some specialized solar insurance policies include production guarantees that compensate you if your panels produce less energy than expected due to equipment issues. This is not typically covered by standard homeowners insurance.

Protection & Coverage

Protect Your Home Energy Investment

Find the right coverage for your solar panels, heat pump, EV charger, or home battery.

Why Insure Your Home Electrification Equipment

Home electrification represents a significant financial investment, with solar panel insurance, HVAC warranty protection, and equipment breakdown coverage becoming essential safeguards for modern homeowners. Solar installations typically cost $15,000-$30,000, while premium home battery systems can exceed $20,000. Standard homeowners policies often include coverage gaps that leave these high-value assets vulnerable to lightning strikes, power surges, severe weather damage, and installation defects that may not surface until months after completion.

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High Replacement Costs

Solar and battery systems cost $10,000-$30,000 to replace. Without proper coverage, you're responsible for the full amount.

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Coverage Gaps

Standard homeowners policies may not fully cover renewable energy equipment or production loss.

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Weather & Surge Risks

Lightning, power surges, hail, and wind damage can destroy expensive equipment in seconds.

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Installation Defects

Manufacturer warranties and home warranty plans may not cover installation errors that cause equipment failure.

Cost Comparison: Annual insurance premiums ($150-$600) are minimal compared to out-of-pocket replacement costs. A $20,000 solar system replacement without insurance could wipe out years of energy savings, while comprehensive equipment breakdown coverage provides peace of mind for just 1-2% of your system value per year.

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Solar Panel Insurance

Protect your solar investment from equipment damage, theft, hail, and roof leaks.

$150-400/year

Up to $50,000

✓Equipment breakdown coverage
✓Weather damage (hail, wind, lightning)
✓Theft protection
✓Roof leak liability
✓Production guarantees

Get Solar Coverage Quote →

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Heat Pump & HVAC Coverage

Extended warranty and breakdown coverage for your heating and cooling system.

$300-600/year

Up to $20,000

✓Mechanical breakdown
✓Compressor failure
✓Electrical component damage
✓Labor costs
✓Emergency repairs

Get Heat Coverage Quote →

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Home Battery Insurance

Coverage for battery storage systems including fire protection and equipment failure.

$200-500/year

Up to $30,000

✓Fire damage
✓Equipment malfunction
✓Theft protection
✓Surge damage
✓Capacity degradation

Get Home Coverage Quote →

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EV Charger Protection

Protect your home charging equipment and electrical components.

$50-150/year

Up to $5,000

✓Equipment breakdown
✓Electrical surge protection
✓Weather damage
✓Vandalism
✓Liability coverage

Get EV Coverage Quote →

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Complete Insurance Guide for Renewable Energy

Get a complete guide covering insurance for solar panels, home batteries, EV chargers, and heat pumps. Learn what's covered, what's not, how to file claims, and calculate the right coverage for your investment.

Read Full Guide →