Does home insurance cover rooftop solar panels?

Most home insurance policies cover rooftop solar panels under buildings insurance, though this will only cover you for a limited number of potential events. These won’t usually include wear and tear, accidental damage, or downtime cover.

Are solar panels included in buildings insurance?

Most providers include solar panels in buildings insurance, treating them as part of the fabric of your home, just like the doors, floors, and walls. However, these policies can be insufficiently comprehensive, unless you pay extra. This means you can often attain a better level of cover if you get solar panel insurance separately.

Do you need solar panel insurance?

If you successfully claim on solar panel insurance, you’ll get a payout to help you to repair or replace your system. Most providers include solar panels in buildings insurance, treating them as part of the fabric of your home, just like the doors, floors, and walls. However, these policies can be insufficiently comprehensive, unless you pay extra.

Do solar panels affect home insurance?

As with any alteration to your home, solar panels can and will change the cost of home insurance. The total cost of your homeowner's insurance is based on the value of your property. This value includes the structure of the house as well as the belongings kept inside.

Should I tell my home insurance provider if I have solar panels?

At Sunsave, we strongly recommend that you tell your home insurance provider once you have solar panels, just like you would after any other significant modification to your property. It may increase how much you pay for insurance, as solar panels can raise the value of your home.

Does home insurance cover rooftop panels?

Your home insurance package will usually cover all types of rooftop panels, from standard monocrystalline or polycrystalline photovoltaic systems, through to more modern flexible panels.