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Solar Panels – Are they Covered?

I had a call today asking about Solar Panels.


As a general rule of thumb: any improvements that increase the value of your home should be reported to your agent.

Installing Solar Panels on the roof will be covered under Coverage A – Dwelling. If they’re in your yard, consider them Other Structures and they are covered under Coverage B.

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The automatic coverage provided by Other Structures is 10%. If you need more insurance for any other structure on your property, it must be endorsed on.

Examples of Other Structures include:
Sheds, Fences, Driveways, Solar Panels, Playground Equipment, Doghouses, Gazebos, etc.

When was the last time you reviewed YOUR policy coverages with your agent?




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