Are solar panels covered by home insurance?


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By Grace Hickman
Updated on Tuesday 28 November 2023

Installing solar panel on roof

If you're one of the many UK homeowners harnessing the power of solar panels, it's crucial to ensure that your valuable investment is adequately protected. In this guide, we'll explore how solar panels can affect your home insurance and provide valuable insights for homeowners considering or already benefiting from solar energy.

Understanding the relationship between solar panels and home insurance

Many home insurance policies include solar panels as part of the house structure, similar to the roof or walls. However, it's recommended to confirm with your insurer to ensure that your solar panels are fully covered.

Impact on insurance costs

While most insurers include solar panels in standard policies, some homeowners may experience a slight increase in insurance costs due to the added value of the panels. However, any potential increase is often outweighed by the long-term energy savings.

Notifying your insurer about solar panel installation

Informing your insurer about significant property changes, such as installing solar panels, is crucial. This helps determine the updated rebuild value of your home. Contact your insurer to confirm that your solar panels are explicitly included in your policy.

Types of solar panels covered

Whether you have photovoltaic panels, hybrid panels, or solar tiles, your home insurance should cover them as long as they are attached to your home. However, freestanding panels in your garden or on a balcony may not be included in the buildings insurance.

Protection against accidental damage

Standard home insurance typically covers solar panels against various risks like fire, water damage, and extreme weather. However, accidental damage caused by someone else may not be included, prompting the need for an additional accidental damage cover.

Wear and tear exclusion

Home insurance generally does not cover wear and tear. While solar panels come with warranties and can last for decades, it's essential to understand that insurance won't compensate for the natural lifespan of the panels.

Getting paid for excess solar energy

If your solar panels produce more electricity than you consume, you can potentially earn money through the Smart Export Guarantee (SEG). This scheme allows you to sell surplus electricity to power companies, providing an additional financial benefit.

Comparing home insurance policies

Regardless of whether you have solar panels, it's wise to regularly compare home insurance policies. All you need to do is click the button below to help you find the best deals tailored to your specific needs, ensuring a balance between cost and coverage.

Investing in solar panels not only benefits the environment but also contributes to energy cost savings. To fully enjoy the advantages, it's essential to understand how solar panels interact with your home insurance and take the necessary steps to protect your investment. Regularly reviewing and updating your insurance policy ensures that you have comprehensive coverage for your evolving home.


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