• ONIT Insurance Group

How to Insure Your New Solar Panels

Making the choice to invest in solar panels is not only a value-driven way to increase the value of your home, but you'll be doing your part to help the environment. Even better, over time, you'll begin to save money by lowering your energy bills. But what happens if your solar panels are damaged due to a storm or unforeseen circumstance like a house fire? Installing solar panels is a significant investment that homeowners like you will want to protect.

So here’s how you get started in doing that:

Connect With Us, Your Insurance Broker

Call us before they start installing the panels. Inform us of the cost of the panels, and where they're being installed so that we can get you insured properly. If they are installed on your roof, it's simple: they are considered part of the home and will be covered under your regular homeowner's insurance. However, you want to make sure that your policy reflects the new, increased value of your home!

If your solar panels are not on your home's roof — for instance, if they are installed on top of a detached garage or if they are free-standing on a post in your yard — you may have to insure them as a scheduled structure. Either way, we will get covered.

Understand Your Coverage

Solar panels are covered for the same events that may affect the rest of your home. So whether your panels are damaged by wind, hail, fire, or lightning, or even if they're stolen, you can make a claim. That also means that any policy deductible that is standard will apply to any loss involving your panels.

There’s one warning: Insurance policies only cover solar panels that are installed for your home's energy needs. If you install an unusually large system to provide power and are receiving regular checks from the energy companies, that could be considered a business.

Avoid Claims with Professional Installation and Regular Upkeep

Make sure to get your solar panels professionally installed! Once installed, solar panels require very little maintenance. We do highly recommend that you make sure to write down the serial numbers of every panel that is installed and keep that information in your fire safe. It will make the claims process much easier if you ever run into an issue. If you aspire to have a positive impact on the environment by investing in solar power, and the conditions are right for your home and budget, go for it! Connect with our ONIT Energy USA team by clicking here! With proper maintenance and the right coverage, you can reduce your family's carbon footprint, and enjoy the benefits of solar energy.

Once you schedule your installation or if you already have solar panels installed, give us a call and we will get you an excellent quote intended to cut the stress out of what you need and at a more affordable price! Call us at (1-800) 610-2134 or visit


Hurst, TX 76053


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