Does Home Insurance Cover Solar Panels?

My 3 Biggest Regrets After 6 Years of Solar
My 3 Biggest Regrets After 6 Years of Solar

Does Home Insurance Cover Solar Panels?

According to the International Energy Agency, solar panels are predicted to provide roughly a third of the world’s total electricity demand by 2050!

How do solar panels work?

Solar panels work by absorbing sunlight with photovoltaic cells. The panels convert this sunlight into a direct current which flows to an inverter. The inverter converts the electricity from direct current to alternating current, which you can then use to power your home.

Does home insurance cover solar panels?

In most cases, YES! It all depends on where your panels are located and the coverages your insurance company provides.

If your solar panels are permanently attached to your home’s structure, such as rooftop-mounted panels, your homeowners insurance policy may cover them as part of your dwelling coverage.

If you have panels on top of a detached structure, such as a shed, it’s possible the “other structures“ coverage on your policy will cover them.

Will solar panels raise your premium?

You will need to increase your coverage to account for the replacement cost of your solar panels, however the additional cost may be considered small in comparison to the investment you’re protecting.

Homeowners who install solar power systems can receive numerous benefits:

  • lower electric bills
  • lower carbon footprints
  • potentially higher home values

You are doing your part to lower your carbon footprint, let us do our part to make sure you are properly insured!

You can experience the benefits of being a part of a full service Independent Insurance Agency today! Simply contact Briggs Agency, Inc. if you are interested in an Insurance review at 219-769-4840 or visit our website at We look forward to hearing from you!

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