Does home insurance cover solar panels?

I want to make my place more energy efficient. I'm looking into solar panels. Are they covered by insurance?

Answer
Energy efficiency and conservation are becoming more and more popular with the general public to save money and to preserve Mother Earth. Solar panels can be a great solution, but they can also be costly! You will be happy to know that since solar panels are usually permanently affixed to the home, they are covered by your insurance under “Coverage A,” the dwelling portion of your policy. Some things like wear and tear and malfunction will not be covered, so it is essential to know if you have a manufacturer’s warranty and what it does and does not cover.
If you are adding solar panels to your home, make sure to update your policy with your agent so that the value of your dwelling coverage can be adjusted to make sure that you are properly protected.
For information on how to make your home more energy efficient, check out this article: How to Increase Efficiency: Ways to Conserve Energy in Your House.
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Shannon Martin
Answered on Mar 02, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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