Protect Your Home Energy Investment
Find the right coverage for your solar panels, heat pump, EV charger, or home battery.
Solar Panel Insurance
Protect your solar investment from equipment damage, theft, hail, and roof leaks.
- ✓Equipment breakdown coverage
- ✓Weather damage (hail, wind, lightning)
- ✓Theft protection
- ✓Roof leak liability
- ✓Production guarantees
Heat Pump & HVAC Coverage
Extended warranty and breakdown coverage for your heating and cooling system.
- ✓Mechanical breakdown
- ✓Compressor failure
- ✓Electrical component damage
- ✓Labor costs
- ✓Emergency repairs
Home Battery Insurance
Coverage for battery storage systems including fire protection and equipment failure.
- ✓Fire damage
- ✓Equipment malfunction
- ✓Theft protection
- ✓Surge damage
- ✓Capacity degradation
EV Charger Protection
Protect your home charging equipment and electrical components.
- ✓Equipment breakdown
- ✓Electrical surge protection
- ✓Weather damage
- ✓Vandalism
- ✓Liability coverage
Frequently Asked Questions
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.