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.
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?