Do you need to report the installation of solar panels to your insurer?

The coverage of solar panels (and a possible home battery) is provided through your home’s

-entity-substitution="canonical" data-entity-type="node" data-entity-uuid="6480f711-8e01-4b57-b367-1f401880880c" href="/node/319">fire insurance. The premium you pay for your fire insurance depends on the value of your home. Insurers use different methods to assess that value. For some methods, solar panels are included in the valuation, for others they are not. This explains why you do not always have to pay an additional premium to insure your solar panels.

Often, the value of your home is estimated using a questionnaire and evaluation

grid. If solar panels are a parameter in this, there’s a good chance you’ll have to pay an additional premium. If solar panels are not a parameter in the questionnaire, they are normally automatically covered and you do not have to pay any extra premium.

If the value of your home was determined through an expert appraisal, or if your

home is insured based on a chosen capital amount (“first risk”), you must have the insured amounts adjusted and may have to pay an additional premium.

We recommend that you always report the installation of solar panels, so we can check for

you whether additional coverage is needed under your fire insurance.

This advice applies to any modification that affects the value of your home. Feel free to ask us to

reassess the risks and insured capital after changes to your home. This helps you to avoid underinsurance and unpleasant surprises in the event of damage.

What damage to your solar panels is covered?

Your fire insurance covers the following types of damage:

fire, smoke, and soot damage;

storm damage;

snow and hail damage;

damage caused by lightning strike.

If you have taken out theft insurance, theft of your solar panels is also automatically covered.

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What if your solar panels cause damage to others?

If your home liability is insured, you are also covered if your solar panels cause damage to your

neighbors. This might happen, for example, if one of your solar panels comes loose during a storm and breaks a neighbor’s window.

Is insurance through the installer worthwhile?

Some solar panel installers offer an all-risk insurance. You actually do not need this, because your

solar panels are already covered by your fire insurance, so you would be doubly insured.

More information or want to report the installation of solar panels?

Feel free to contact your account manager or administrator!