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Will solar panels increase your home insurance?
I plan on installing solar panels next year. I already paid my deposit for them, but realized I’m not sure how it’ll impact my home insurance. Will solar panels increase my home insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
How exciting! Solar panels can increase your home insurance, but it’s because you usually need to increase the amount of coverage on your policy.
Most home insurance policies include coverage for solar panels in your policy’s dwelling or other structures coverage, depending on whether they’re attached to your home or separate. Since these coverages are at replacement cost, you’ll need to ensure your policy’s limits are high enough to cover your panels.
If the cost to replace your panels exceeds the current coverage you have, you’d be responsible for any costs outside your limits. After installing your panels, it’s a good idea to review your policy to ensure you don’t need additional coverage.
Also, make sure your policy covers solar panels. While most standard home insurance policies cover solar panels, every provider is different. You’ll want to ensure you won’t need a separate policy or endorsement for coverage.
If you find the cost of your home insurance skyrockets after installing your solar panels, or you’d like to explore your options, try
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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